402 Lydia St, Monroe, NC 28110 Property Records

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

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,230 sqft · built 1947
Lot Size	0.212 acres (9,235 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Oct 2021)
Tax Bill	$1,806 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-226-096`

Property Details

APN / Parcel Number

Primary APN	`09-226-096`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,230 sqft Living Area
1st Floor Area	1,230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,235 sqft (0.212 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 LYDIA ST
City	MONROE
State	NC
Zip	28110-2947
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#12 STOCKTON PB2 PG91
Legal Subdivision	T C HELMS 2-91
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1009
Census Tract	20406

Owner

402 Lydia St, a rural home, is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	402 LYDIA ST, MONROE, NC 28110-2947
Occupancy	Owner Occupied
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
Dec 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 18, 2021	Warranty Deed, Transfer FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2021 · Amount on File
Deed Sale	Oct 18, 2021 · Amount on File
Prior Sale	Sep 15, 2008 · Amount on File
Deed Document Number	202149742
Deed Book / Page	8283 / 546
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	402 LYDIA ST, MONROE, NC 28110-2947
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008624287
Date	Dec 14, 2022
Book Page	8624/287
Instrument	40722

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 18, 2021
Property Address	402 LYDIA ST, MONROE, NC 28110-2947
Document Number	8283546
Book / Page	8283 / 546
Map Reference	MB 2 PG 91
Instrument Date	Oct 15, 2021
Instrument	49742
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 LAUREL LND, 265, WEST JEFFERSON, NC 28694

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 LYDIA ST, MONROE, NC 28110-2947

Tax Assessment & Valuation

The 2025 property tax bill for 402 Lydia St was $1,806.

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		$206,600 (-) Land $30,900 Building $175,700	$206,600 (-) Land $30,900 Building $175,700
2025	$1,806.00	$206,600 Land $30,900 Building $175,700	$206,600 Land $30,900 Building $175,700
2023	$1,464.00	$134,300 Land $17,100 Building $117,200	$134,300 Land $17,100 Building $117,200

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

Flood

FEMA maps place 402 Lydia 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 Lydia 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 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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