Union County property record for 405 E Houston St, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,870 sqft · built 1902 |
| Lot Size | 0.296 acres (12,894 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Sep 2013) |
| Tax Bill | $2,136 (2025) |
| Deeds & Mortgages | May 2021 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-231-137 |
| Primary APN | 09-231-137 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,870 sqft Living Area |
| Gross Area | 2,014 sqft |
| 1st Floor Area | 1,870 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,894 sqft (0.296 acres) |
| Porch | Slab |
| Porch Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 E HOUSTON ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-5635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | 7160-236 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 20602 |
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.
Source: Union County records, as of March 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 E HOUSTON ST, MONROE, NC 28112-5635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| May 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| May 22, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| May 15, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2013 · Amount on Record |
| Deed Sale | Sep 12, 2013 · Amount on Record |
| Prior Sale | Jan 4, 2002 · Amount on Record |
| Deed Document Number | 201331885 |
| Deed Book / Page | 6096 / 246 |
| Last Transfer Date | May 15, 2018 |
| Transfer Doc | 7160236 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 405 E HOUSTON ST, MONROE, NC 28112-5635 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8119245 |
|---|---|
| Date | May 28, 2021 |
| Book Page | 8119/245 |
| Instrument | 25623 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 405 E HOUSTON ST, MONROE, NC 28112-5635 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7659364 |
|---|---|
| Date | May 6, 2020 |
| Book Page | 7659/364 |
| Instrument | 15365 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 22, 2018 |
| Property Address | 405 E HOUSTON ST, MONROE, NC 28112-5635 |
| Document Number | 0007160236 |
| Book / Page | 7160 / 236 |
| Instrument Date | May 15, 2018 |
| Instrument | 0013681 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 205 CHARLES ST, MONROE, NC 28112-5715 |
| Document Number | 0000013682 |
|---|---|
| Date | May 22, 2018 |
| Instrument | 0013682 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 15, 2018 |
| Property Address | 405 E HOUSTON ST, MONROE, NC 28112-5635 |
| Document Number | 715683 |
| Book / Page | 007156 / 000083 |
| Instrument Date | May 3, 2018 |
| Instrument | 12944 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 E HOUSTON ST MONROE NC 281125635, MONROE, NC 28112-5635 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,136.00 (+8.48%) | $244,400 (+35.33%) Land $39,100 Building $205,300 | $244,400 (+35.33%) Land $39,100 Building $205,300 |
| 2023 | $1,969.00 | $180,600 Land $15,100 Building $165,500 | $180,600 Land $15,100 Building $165,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 285 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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