404 Kerr St, Monroe, NC 28110 Property Records

Union County property record for 404 Kerr St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,680 sqft · built 1960
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$108,000 (Jun 2022)
Tax Bill	$276 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-226-019`

Property Details

APN / Parcel Number

Primary APN	`09-226-019`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 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 & #17 BLK2 TRIPPLETT ADDITIONS PB02 PG17
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

Source: Union County records, as of October 20, 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 Record
Mailing Address	404 KERR ST, MONROE, NC 28110-2930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2022 · Amount on Record
Deed Sale	Jun 10, 2022 · Amount on Record
Deed Document Number	202221039
Deed Book / Page	8499 / 73
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 10, 2022
Property Address	404 KERR ST, MONROE, NC 28110-2930
Document Number	0000849973
Book / Page	8499 / 73
Map Reference	MB 2 PG 17
Instrument Date	Apr 22, 2021
Instrument	21039
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$216.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 KERR ST, MONROE, NC 28110-2930

Mortgage

Document Number	0000021040
Date	Jun 10, 2022
Instrument	21040

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jul 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

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
2026		$31,600 (-) Land $19,100 Building $12,500	$31,600 (-) Land $19,100 Building $12,500
2025	$276.00 (-82.67%)	$31,600 (-78.37%) Land $19,100 Building $12,500	$31,600 (-78.37%) Land $19,100 Building $12,500
2023	$1,593.00	$146,100 Land $24,200 Building $121,900	$146,100 Land $24,200 Building $121,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

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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