405 Lydia St, Monroe, NC 28110 Property Records

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

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,164 sqft · built 1942
Lot Size	0.354 acres (15,420 sqft)
Owner	2 Individual Names on File
Last Sale	$27,000 (Oct 2024)
Tax Bill	$285 (2025)
Deeds & Mortgages	Mar 2021 Sale Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-226-106`

Property Details

APN / Parcel Number

Primary APN	`09-226-106`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
Gross Area	1,524 sqft
1st Floor Area	1,164 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,420 sqft (0.354 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 LYDIA ST
City	MONROE
State	NC
Zip	28110-2946
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	0.354A 8998-0568
Legal Tract	2
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1010
Census Tract	20406

Owner

405 Lydia St, a rural home, is owned by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 LYDIA ST, MONROE, NC 28110-2946
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
Mar 15, 2021	Warranty Deed, Transfer
Aug 12, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 27, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2024 · Amount on File
Deed Sale	Oct 22, 2024 · Amount on File
Prior Sale	Mar 15, 2021 · Amount on File
Deed Document Number	202425327
Deed Book / Page	8998 / 568
Prior Transfer Date	Oct 22, 2002
Prior Transfer Doc	1950628
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 15, 2021
Property Address	405 LYDIA ST, MONROE, NC 28110-2946
Document Number	0008025897
Book / Page	8025 / 897
Instrument Date	Mar 4, 2021
Instrument	11960
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Tax	$284.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LYDIA ST, MONROE, NC 28110-2946

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	405 LYDIA ST, MONROE, NC 28110-2946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7769272
Date	Aug 12, 2020
Book Page	7769/272
Instrument	30764

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 27, 2019
Property Address	405 LYDIA ST, MONROE, NC 28110-2946
Document Number	7402612
Book / Page	007402 / 000612
Instrument Date	Jun 21, 2019
Instrument	18174
Transaction Type	Transfer
Record Updated	Sep 6, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LYDIA ST MONROE NC 281102946, MONROE, NC 28110-2946

Mortgage

Document Number	7402615
Date	Jun 27, 2019
Book Page	007402/000615
Instrument	18175

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2049

Mortgage

Document Number	7402632,
Date	Jun 27, 2019
Book Page	007402/000632
Instrument	18176

Lender

Name	HOUSING FIN AGCY
Address	PO BOX 28066, RALEIGH, NC 27611-8066

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 405 Lydia St was $285.

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		$32,700 (-) Land $32,700	$32,700 (-) Land $32,700
2025	$285.00	$32,700 Land $32,700	$32,700 Land $32,700
2023	$1,251.00	$114,800 Land $18,200 Building $96,600	$114,800 Land $18,200 Building $96,600

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

Flood

FEMA maps place 405 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 405 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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