316 E Houston St, Monroe, NC 28112 Property Records

Union County property record for 316 E Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 bd · 2.5 ba · 1,901 sqft · built 1908
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Feb 2022)
Tax Bill	$2,187 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-231-114`

Property Details

APN / Parcel Number

Primary APN	`09-231-114`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,901 sqft Living Area

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Slate
Lot Area	13,068 sqft (0.3 acres)

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Deck Area	153 sqft
Patio Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	316 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	8407-409
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	Individual Name on File
Mailing Address	316 E HOUSTON ST, MONROE, NC 28112-5632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 31, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 11, 2018	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
May 11, 2018	Quit Claim Deed, Transfer OTHER
Jan 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Prior Sale	Dec 31, 2019 · Amount on Record
Deed Document Number	20226907
Deed Book / Page	8407 / 409
Prior Transfer Date	May 7, 2018
Prior Transfer Doc	7154531
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 23, 2022
Property Address	316 E HOUSTON ST, MONROE, NC 28112-5632
Document Number	0008407409
Book / Page	8407 / 409
Instrument Date	Feb 22, 2022
Instrument	6907
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1015 GREEN TERRA RD, 1015, INDIAN TRAIL, NC 28079-8813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 E HOUSTON ST, MONROE, NC 28112-5632

Mortgage

Document Number	0000006908
Date	Feb 23, 2022
Instrument	6908

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	316 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	790923
Date	Dec 4, 2020
Book Page	7909/23
Instrument	50375

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jan 1, 2026
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	10.3%
Index	5-Year CMT
Max Rate	10.3%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 31, 2019
Property Address	316 E HOUSTON ST, MONROE, NC 28112-5632
Document Number	0007553546
Book / Page	7553 / 546
Instrument Date	Dec 30, 2019
Instrument	0040988
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$492.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 E HOUSTON ST, MONROE, NC 28112-5632

Mortgage

Document Number	0000040989
Date	Dec 31, 2019
Instrument	0040989

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	May 11, 2018
Property Address	316 E HOUSTON ST, MONROE, NC 28112-5632
Document Number	7154531
Book / Page	007154 / 000531
Instrument Date	May 7, 2018
Instrument	12650
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 E HOUSTON ST MONROE NC 281125632, MONROE, NC 28112-5632

Mortgage

Document Number	7154536
Date	May 11, 2018
Book Page	007154/000536
Instrument	12651

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	May 11, 2018
Property Address	316 E HOUSTON ST, MONROE, NC 28112-5632
Document Number	7154554
Book / Page	007154 / 000554
Instrument Date	May 7, 2018
Instrument	12652
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	316 E HOUSTON ST MONROE NC 281125632, MONROE, NC 28112-5632

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	316 E HOUSTON ST, MONROE, NC 28112-5632
Document Number	6873812
Book / Page	006873 / 000812
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	316 E HOUSTON ST MONROE NC 281125632, MONROE, NC 28112-5632

Mortgage

Document Number	6873812
Date	Feb 9, 2017
Book Page	006873/000812
Instrument	3673

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2047

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	$2,187.00 (+10.57%)	$250,200 (+37.93%) Land $49,900 Building $200,300	$250,200 (+37.93%) Land $49,900 Building $200,300
2023	$1,978.00	$181,400 Land $12,700 Building $168,700	$181,400 Land $12,700 Building $168,700

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

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.

Nearby Properties on E Houston St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures