321 E Houston St, Monroe, NC 28112 Property Records

Union County property record for 321 E Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,464 sqft · built 1915
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$154,000 (Aug 2019)
Tax Bill	$2,634 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-231-131`

Property Details

APN / Parcel Number

Primary APN	`09-231-131`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,464 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,112 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	509 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 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	7441-890
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

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	308 SHORECREST DR, SENECA, SC 29672-2139
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC
Aug 16, 2019	Warranty Deed, Transfer · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC
Jun 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 16, 2019 · Amount on Record
Deed Sale	Aug 16, 2019 · Amount on Record
Prior Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	201924262
Deed Book / Page	7441 / 890
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	321 E HOUSTON ST, MONROE, NC 28112-5633
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 E HOUSTON ST, MONROE, NC 28112-5633

Mortgage

Document Number	0008564667
Date	Sep 6, 2022
Book Page	8564/667
Instrument	31332

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 20, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	321 E HOUSTON ST, MONROE, NC 28112-5633
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8308445
Date	Nov 9, 2021
Book Page	8308/445
Instrument	53452

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 16, 2019
Property Address	321 E HOUSTON ST, MONROE, NC 28112-5633
Document Number	0007441890
Book / Page	7441 / 890
Instrument Date	Aug 16, 2019
Instrument	0024262
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E WINDSOR ST, MONROE, NC 28112-4877

Mortgage

Document Number	0000024263
Date	Aug 16, 2019
Instrument	0024263

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 19, 2019
Property Address	321 E HOUSTON ST, MONROE, NC 28112-5633
Document Number	7396272
Book / Page	007396 / 000272
Instrument Date	Jun 17, 2019
Instrument	17168
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	505 PARKER ST MONROE NC 281126045, MONROE, NC 28112-6045

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	$2,634.00 (+10.67%)	$301,400 (+38.07%) Land $51,100 Building $250,300	$301,400 (+38.07%) Land $51,100 Building $250,300
2023	$2,380.00	$218,300 Land $13,500 Building $204,800	$218,300 Land $13,500 Building $204,800

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
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