405 Alton St, Monroe, NC 28110 Property Records

Union County property record for 405 Alton St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 972 sqft · built 1935
Lot Size	0.156 acres (6,795 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Apr 2021)
Tax Bill	$1,365 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Sep 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-228-227`

Property Details

APN / Parcel Number

Primary APN	`09-228-227`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	972 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	6,795 sqft (0.156 acres)
Porch	Slab
Porch Area	144 sqft

Location & Zoning

Street Address	405 ALTON ST
City	MONROE
State	NC
Zip	28110-3139
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	TRACT 1 8070-851
Legal Tract	1
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1041
Census Tract	20406

Owner

405 Alton St, a rural home, is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	405 ALTON ST, MONROE, NC 28110-3139
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
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU
Sep 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Deed Document Number	202118479
Deed Book / Page	8070 / 851
Prior Transfer Date	Sep 5, 2018
Prior Transfer Doc	0007230526
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 20, 2021
Property Address	405 ALTON ST, MONROE, NC 28110-3139
Document Number	0008070851
Book / Page	8070 / 851
Instrument Date	Apr 19, 2021
Instrument	18479
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	$298.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4025 ALTON STREET, MONROE, NC 28110

Mortgage

Document Number	0000018480
Date	Apr 20, 2021
Instrument	18480

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	May 1, 2028
Change Frequency	10 Years
Min Rate At Change	3.5%
Max Rate At Change	7%
Index	10-Year TN
Max Rate	11%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Sep 6, 2018
Property Address	405 ALTON ST, MONROE, NC 28110-3139
Document Number	7230526
Book / Page	007230 / 000526
Instrument Date	Sep 5, 2018
Instrument	25389
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5048 PARKVIEW WAY MATTHEWS NC 281046980, MATTHEWS, NC 28104-6980

Tax Assessment & Valuation

The 2025 property tax bill for 405 Alton St was $1,365.

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		$156,200 (-) Land $37,400 Building $118,800	$156,200 (-) Land $37,400 Building $118,800
2025	$1,365.00	$156,200 Land $37,400 Building $118,800	$156,200 Land $37,400 Building $118,800
2023	$678.00	$62,200 Land $14,000 Building $48,200	$62,200 Land $14,000 Building $48,200

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

Flood

FEMA maps place 405 Alton 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 405 Alton 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 98 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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