311 Clara St, Monroe, NC 28112 Property Records

Union County property record for 311 Clara St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 945 sqft · built 1954
Lot Size	0.212 acres (9,235 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Jun 2023)
Tax Bill	$1,603 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-238-135`

Property Details

APN / Parcel Number

Primary APN	`09-238-135`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	945 sqft Living Area
1st Floor Area	945 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,235 sqft (0.212 acres)
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	311 CLARA ST
City	MONROE
State	NC
Zip	28112-6232
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#57 PB1 PG321
Legal Subdivision	SUNSET PARK 1-321
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1036
Census Tract	20502

Owner

311 Clara St, a rural home, is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	311 CLARA ST, MONROE, NC 28112-6232
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 7, 2023	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Jul 1, 2021	Intrafamily Transfer, Transfer
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jul 6, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2023 · Amount on File
Deed Sale	Jun 7, 2023 · Amount on File
Prior Sale	Oct 19, 2020 · Amount on File
Deed Document Number	202313529
Deed Book / Page	8722 / 624
Prior Transfer Date	May 19, 2021
Prior Transfer Doc	8158256
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 7, 2023
Property Address	311 CLARA ST, MONROE, NC 28112-6232
Document Number	0008722624
Book / Page	8722 / 624
Map Reference	MB 1 PG 321
Instrument Date	May 23, 2023
Instrument	13529
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 CLARA ST, MONROE, NC 28112-6232

Mortgage

Document Number	0000013530
Date	Jun 7, 2023
Instrument	13530

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	0008722646
Date	Jun 7, 2023
Book Page	8722/646
Instrument	13531

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jul 1, 2021
Property Address	311 CLARA ST, MONROE, NC 28112-6232
Document Number	8158256
Book / Page	8158 / 256
Map Reference	MB 1 PG 321
Instrument Date	May 19, 2021
Instrument	31356
Transaction Type	Transfer
Record Updated	Jul 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 CLARA ST, MONROE, NC 28112-6232

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 19, 2020
Property Address	311 CLARA ST, MONROE, NC 28112-6232
Document Number	0007851205
Book / Page	7851 / 205
Map Reference	MB 1 PG 321
Instrument Date	Oct 5, 2020
Instrument	42243
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 CLARA ST, MONROE, NC 28112-6232

Mortgage

Document Number	0000042244
Date	Oct 19, 2020
Instrument	42244

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 6, 2018
Property Address	311 CLARA ST, MONROE, NC 28112-6232
Document Number	719144
Book / Page	007191 / 000044
Instrument Date	Jun 25, 2018
Instrument	18631
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18168 COLEY STONE RD LOCUST NC 28097, LOCUST, NC 28097

Mortgage

Document Number	719146
Date	Jul 6, 2018
Book Page	007191/000046
Instrument	18632

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 5, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 311 Clara St was $1,603.

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		$183,400 (-) Land $32,500 Building $150,900	$183,400 (-) Land $32,500 Building $150,900
2025	$1,603.00	$183,400 Land $32,500 Building $150,900	$183,400 Land $32,500 Building $150,900
2023	$1,028.00	$94,300 Land $17,100 Building $77,200	$94,300 Land $17,100 Building $77,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 311 Clara St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 311 Clara 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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