402 Kerr St, Monroe, NC 28110 Property Records

Union County property record for 402 Kerr St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,427 sqft · built 1950
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on File
Last Sale	$2,500 (May 2019)
Tax Bill	$186 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-226-018`

Property Details

APN / Parcel Number

Primary APN	`09-226-018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,427 sqft Living Area
1st Floor Area	1,427 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,360 sqft (0.146 acres)
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 KERR ST
City	MONROE
State	NC
Zip	28110-2930
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	GB MONROE
Legal Description	P/14,P/15,P/16 BLK 2 MONROE PB2PG17
Legal Subdivision	MONROE ADDITION (TRIPLETT)
Legal Block	2
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1005
Census Tract	20406

Owner

402 Kerr St, a rural home, is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	12601 LONG COVE DR, CHARLOTTE, NC 28277-4029
Owner Type	Individual

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

Date	Document
Feb 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Apr 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage US BANK NA
Aug 24, 2021	Special Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
May 31, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Prior Sale	Oct 2, 2009 · Amount on File
Deed Document Number	201915062
Deed Book / Page	7383 / 528
Prior Transfer Date	Jun 23, 2009
Prior Transfer Doc	5166452
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	402 KERR ST, MONROE, NC 28110-2930
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006881587
Date	Feb 23, 2017
Book Page	6881/587
Instrument	0005078

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	402 KERR ST, MONROE, NC 28110-2930
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12601 LONG COVE DR, CHARLOTTE, NC 28277-4029

Mortgage

Document Number	0000844457
Date	Apr 4, 2022
Book Page	8444/57
Instrument	12454

Lender

Name	US BANK NA
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 24, 2021
Property Address	402 KERR ST, MONROE, NC 28110-2930
Document Number	0008215677
Book / Page	8215 / 677
Map Reference	MB 2 PG 17
Instrument Date	Aug 23, 2021
Instrument	39927
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12601 LONG COVE DR, CHARLOTTE, NC 28277-4029

Mortgage

Document Number	0000039928
Date	Aug 24, 2021
Instrument	39928

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 31, 2019
Property Address	402 KERR ST, MONROE, NC 28110-2930
Document Number	7383528
Book / Page	007383 / 000528
Instrument Date	May 31, 2019
Instrument	15062
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$5.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	10935 WINDS CROSSING DR #300 CHARLOTTE NC 282732302, 300, CHARLOTTE, NC 28273-2302

Tax Assessment & Valuation

The 2025 property tax bill for 402 Kerr St was $186.

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		$21,300 (-) Land $12,200 Building $9,100	$21,300 (-) Land $12,200 Building $9,100
2025	$186.00	$21,300 Land $12,200 Building $9,100	$21,300 Land $12,200 Building $9,100
2023	$1,209.00	$110,900 Land $15,300 Building $95,600	$110,900 Land $15,300 Building $95,600

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

Flood

FEMA maps place 402 Kerr 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 402 Kerr 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	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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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