309 E Houston St, Monroe, NC 28112 Property Records

Union County property record for 309 E Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,924 sqft · built 1950
Lot Size	0.322 acres (14,026 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (May 2024)
Tax Bill	$3,267 (2025)
Deeds & Mortgages	Feb 2025 Mortgage May 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-231-126`

Property Details

APN / Parcel Number

Primary APN	`09-231-126`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,924 sqft Living Area
1st Floor Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,026 sqft (0.322 acres)

Exterior Amenities

Porch	Slab
Porch Area	332 sqft
Deck Area	171 sqft
Patio Area	171 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 E HOUSTON ST
City	MONROE
State	NC
Zip	28112-5633
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8901-0540
Legal Subdivision	2939930
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2091
Census Tract	20501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Monroe Residential Historic District listed 1988 · 381 contributing resources · NRIS 87002204

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

309 E Houston St, a rural home, is owned and occupied by an individual who bought it in May 2024.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	309 E HOUSTON ST, MONROE, NC 28112-5633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 10, 2024	Warranty Deed, Transfer · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 23, 2017	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2024 · Amount on File
Deed Sale	May 10, 2024 · Amount on File
Prior Sale	Jun 30, 2021 · Amount on File
Deed Document Number	202410647
Deed Book / Page	8901 / 540
Prior Transfer Date	Feb 20, 2017
Prior Transfer Doc	0006882725
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	309 E HOUSTON ST, MONROE, NC 28112-5633
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E HOUSTON ST, MONROE, NC 28112-5633

Mortgage

Document Number	0009056314
Date	Feb 4, 2025
Book Page	9056/314
Instrument	2668

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 10, 2024
Property Address	309 E HOUSTON ST, MONROE, NC 28112-5633
Document Number	0008901540
Book / Page	8901 / 540
Instrument Date	May 9, 2024
Instrument	10647
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	FORTIFIED TITLE, FORTIFIED TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7012 FOLGER DR, CHARLOTTE, NC 28270-5950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E HOUSTON ST, MONROE, NC 28112-5633

Mortgage

Document Number	0000010648
Date	May 10, 2024
Instrument	10648

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 30, 2021
Property Address	309 E HOUSTON ST, MONROE, NC 28112-5633
Document Number	8156682
Book / Page	8156 / 682
Instrument Date	Jun 30, 2021
Instrument	31145
Transaction Type	Transfer
Record Updated	Jul 19, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$504.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1118 LANDEN CHASE DR, 1118, MONROE, NC 28110-7107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E HOUSTON ST, MONROE, NC 28112-5633

Mortgage

Document Number	0008156684
Date	Jun 30, 2021
Book Page	8156/684
Instrument	31146

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 23, 2017
Property Address	309 E HOUSTON ST, MONROE, NC 28112-5633
Document Number	7038432
Book / Page	007038 / 000432
Instrument Date	Oct 19, 2017
Instrument	30970
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E HOUSTON ST MONROE NC 281125633, MONROE, NC 28112-5633

Mortgage

Document Number	7038435
Date	Oct 23, 2017
Book Page	007038/000435
Instrument	30971

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 309 E Houston St was $3,267.

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$373,800 (-) Land $50,200 Building $323,600	$373,800 (-) Land $50,200 Building $323,600
2025	$3,267.00	$373,800 Land $50,200 Building $323,600	$373,800 Land $50,200 Building $323,600
2023	$2,134.00	$195,700 (-) Land $12,900 Building $182,800	$195,700 (-) Land $12,900 Building $182,800
2022	$2,134.00	$195,700 Land $12,900 Building $182,800	$195,700 Land $12,900 Building $182,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 309 E Houston St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 309 E Houston St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, T-Mobile.

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