401 W Franklin St, Monroe, NC 28112 Property Records

Union County property record for 401 W Franklin St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	1 bd · 3 ba · 3,796 sqft · built 1920
Lot Size	0.372 acres (16,204 sqft)
Owner	Company Name on File
Last Sale	$430,000 (Aug 2019)
Tax Bill	$4,822 (2025)
Deeds & Mortgages	Aug 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-232-214`

Property Details

APN / Parcel Number

Primary APN	`09-232-214`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,796 sqft Living Area
1st Floor Area	2,120 sqft
Basement Area	192 sqft
Unfinished Basement	192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,204 sqft (0.372 acres)
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	331 sqft
Deck Area	636 sqft
Patio Area	636 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 W FRANKLIN ST
City	MONROE
State	NC
Zip	28112-4707
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	7454-827
Legal Subdivision	BLOUNT
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2028
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

401 W Franklin St, a rural home, is owned by a company that bought it in August 2019.

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

Owner of Record	Company Name on File
Mailing Address	401 W FRANKLIN ST, MONROE, NC 28112-4707
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Deed Document Number	201926185
Deed Book / Page	7454 / 827
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 30, 2019
Property Address	401 W FRANKLIN ST, MONROE, NC 28112-4707
Document Number	0007454827
Book / Page	7454 / 827
Instrument Date	Aug 30, 2019
Instrument	0026185
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	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 STONEHILL LN, 1004, MATTHEWS, NC 28104-6108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 W FRANKLIN ST, MONROE, NC 28112-4707

Mortgage

Document Number	0000026186
Date	Aug 30, 2019
Instrument	0026186

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 401 W Franklin St was $4,822.

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		$551,700 (-) Land $66,800 Building $484,900	$551,700 (-) Land $66,800 Building $484,900
2025	$4,822.00	$551,700 Land $66,800 Building $484,900	$551,700 Land $66,800 Building $484,900
2023	$3,340.00	$306,300 Land $25,000 Building $281,300	$306,300 Land $25,000 Building $281,300

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

Flood

FEMA maps place 401 W Franklin St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 401 W Franklin 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	None beyond ember reach

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 259 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.

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