314 E Houston St, Monroe, NC 28112 Property Records

Union County property record for 314 E Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 ba · 3,017 sqft · built 1905
Lot Size	0.412 acres (17,947 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,663 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-231-115`

Property Details

APN / Parcel Number

Primary APN	`09-231-115`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,017 sqft Living Area
Basement Area	1,739 sqft
Unfinished Basement	1,739 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	17,947 sqft (0.412 acres)
Porch	Slab
Porch Area	538 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	314 E HOUSTON ST
City	MONROE
State	NC
Zip	28112-5632
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	314 E HOUSTON ST 314 E HOUSTON ST
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2102
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

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

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

Owner of Record	2 Individual Names on File
Mailing Address	314 E HOUSTON ST, MONROE, NC 28112-5632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	314 E HOUSTON ST, MONROE, NC 28112-5632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7941133
Date	Jan 4, 2021
Book Page	7941/133
Instrument	19

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

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
2025	$3,663.00 (+18.58%)	$419,100 (+47.94%) Land $51,200 Building $367,900	$419,100 (+47.94%) Land $51,200 Building $367,900
2023	$3,089.00	$283,300 Land $13,600 Building $269,700	$283,300 Land $13,600 Building $269,700

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
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 at the parcel

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 USA.

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