313 Clara St, Monroe, NC 28112 Property Records

Union County property record for 313 Clara St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,386 sqft · built 1953
Lot Size	0.217 acres (9,453 sqft)
Owner	Individual Name on Record
Tax Bill	$1,817 (2025)
Deeds & Mortgages	May 2017 Line of Credit Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-238-136`

Property Details

APN / Parcel Number

Primary APN	`09-238-136`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	1,386 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,453 sqft (0.217 acres)
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	313 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	313 CLARA AVE 313 CLARA AVE
Legal Subdivision	SUNSET PARK 1-321
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1036
Census Tract	20502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	313 CLARA ST, MONROE, NC 28112-6232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 21, 2000
Transfer Doc	0000022950
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	313 CLARA ST, MONROE, NC 28112-6232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDER RECORDING SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6937520
Date	May 24, 2017
Book Page	6937/520
Instrument	0014338

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MONROE, NC 28111

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Dec 30, 2019
Property Address	313 CLARA ST, MONROE, NC 28112-6232
Document Number	755229
Book / Page	007552 / 000029
Instrument Date	Dec 23, 2019
Instrument	40784
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	313 CLARA ST MONROE NC 281126232, MONROE, NC 28112-6232

Tax Assessment & Valuation

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		$207,900 (-) Land $32,600 Building $175,300	$207,900 (-) Land $32,600 Building $175,300
2025	$1,817.00 (+30.34%)	$207,900 (+62.55%) Land $32,600 Building $175,300	$207,900 (+62.55%) Land $32,600 Building $175,300
2023	$1,394.00	$127,900 Land $17,100 Building $110,800	$127,900 Land $17,100 Building $110,800

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

Flood

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

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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