403 W Franklin St, Monroe, NC 28112 Property Records

Union County property record for 403 W Franklin St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,250 sqft · built 1910
Lot Size	0.288 acres (12,545 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Apr 2024)
Tax Bill	$3,459 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-232-216`

Property Details

APN / Parcel Number

Primary APN	`09-232-216`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,250 sqft Living Area
1st Floor Area	2,250 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,545 sqft (0.288 acres)
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	756 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 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	6413-695
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

403 W Franklin St, a rural home, is owned by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	3606 HUCKLEBERRY RD, CHARLOTTE, NC 28210-6468
Owner Type	Individual
Vesting	Unmarried

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
Apr 12, 2024	Warranty Deed, Transfer · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Sep 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage 1ST CITIZENS BK & TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2024 · Amount on File
Deed Sale	Apr 12, 2024 · Amount on File
Prior Sale	Apr 2, 2015 · Amount on File
Deed Document Number	20248204
Deed Book / Page	8885 / 716
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 12, 2024
Property Address	403 W FRANKLIN ST, MONROE, NC 28112-4707
Document Number	0008885716
Book / Page	8885 / 716
Instrument Date	Apr 5, 2024
Instrument	8204
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4079 MCKINNEY DR, MURRELLS INLET, SC 29576-7452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3606 HUCKLEBERRY RD, CHARLOTTE, NC 28210-6468

Mortgage

Document Number	0000008205
Date	Apr 12, 2024
Instrument	8205

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	403 W FRANKLIN ST, MONROE, NC 28112-4707
Document Number	7245609
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 W FRANKLIN ST MONROE NC 281124707, MONROE, NC 28112-4707

Mortgage

Document Number	7245609
Date	Oct 2, 2018
Book Page	007245/000609
Instrument	27830

Lender

Name	1ST CITIZENS BK & TR
Address	RALEIGH, NC 27611-6592

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.1%

Tax Assessment & Valuation

The 2025 property tax bill for 403 W Franklin St was $3,459.

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		$395,700 (-) Land $65,800 Building $329,900	$395,700 (-) Land $65,800 Building $329,900
2025	$3,459.00	$395,700 Land $65,800 Building $329,900	$395,700 Land $65,800 Building $329,900
2023	$2,140.00	$196,300 Land $24,300 Building $172,000	$196,300 Land $24,300 Building $172,000

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

Flood

FEMA maps place 403 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 403 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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