Union County property record for 406 Harris Ln, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,217 sqft · built 1950 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $151,500 (Oct 2025) |
| Tax Bill | $2,586 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2025 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-195-039 |
| Primary APN | 09-195-039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,217 sqft Living Area |
| 1st Floor Area | 2,007 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 364 sqft |
| Patio Area | 364 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 HARRIS LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-5764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | #2 BF HARRIS PB03 PG01A AKA P/11 & #12 PB02 PG43 |
| Legal Subdivision | G M TUCKER |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1025 |
| 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 October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7122 MASSEY RD, WAXHAW, NC 28173-7406 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Oct 13, 2025 | Special Warranty Deed, Transfer · Commercial Mortgage CHAMPIONS FUNDING LLC |
| May 9, 2024 | Warranty Deed, Transfer |
| May 9, 2024 | Special Warranty Deed, Transfer |
| Apr 2, 2020 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Mar 20, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2025 · Amount on Record |
| Deed Sale | Oct 13, 2025 · Amount on Record |
| Prior Sale | May 9, 2024 · Amount on Record |
| Deed Document Number | 202526597 |
| Deed Book / Page | 9220 / 84 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Document Number | 0008059391 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 8059/391 |
| Instrument | 16886 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | May 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Oct 13, 2025 |
| Property Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Document Number | 0000922084 |
| Book / Page | 9220 / 84 |
| Map Reference | MB 3 PG 1 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 26597 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $303.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7122 MASSEY RD, WAXHAW, NC 28173-7406 |
| Name | Verified Name |
|---|---|
| Address | 7122 MASSEY RD, WAXHAW, NC 28173-7406 |
| Document Number | 0000026598 |
|---|---|
| Date | Oct 13, 2025 |
| Instrument | 26598 |
| Name | CHAMPIONS FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 9, 2024 |
| Property Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Document Number | 0008901501 |
| Book / Page | 8901 / 501 |
| Map Reference | MB 3 PG 1 |
| Instrument Date | May 8, 2024 |
| Instrument | 10629 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $390.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Name | Verified Name |
|---|---|
| Address | 5000 RIVERSIDE DR # 5, 5, IRVING, TX 75039-4316 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 9, 2024 |
| Property Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Document Number | 0008901504 |
| Book / Page | 8901 / 504 |
| Map Reference | MB 3 PG 1 |
| Instrument Date | May 3, 2024 |
| Instrument | 10630 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $443.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5000 RIVERSIDE DR # DR100W, DR100W, IRVING, TX 75039-4316 |
| Name | Verified Name |
|---|---|
| Address | 1625 AMBERGATE DR, WAXHAW, NC 28173-6751 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 2, 2020 |
| Property Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Document Number | 7627405 |
| Book / Page | 007627 / 000405 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 11106 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $368.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 HARRIS LN MONROE NC 281125764, MONROE, NC 28112-5764 |
| Document Number | 7627408 |
|---|---|
| Date | Apr 2, 2020 |
| Book Page | 007627/000408 |
| Instrument | 11107 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Mar 20, 2019 |
| Property Address | 406 HARRIS LN, MONROE, NC 28112-5764 |
| Document Number | 7333427 |
| Book / Page | 007333 / 000427 |
| Instrument Date | Mar 19, 2019 |
| Instrument | 7025 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $154.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 406 HARRIS LN MONROE NC 281125764, MONROE, NC 28112-5764 |
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 |
|---|---|---|---|
| 2026 | $295,900 (-) Land $52,300 Building $243,600 | $295,900 (-) Land $52,300 Building $243,600 | |
| 2025 | $2,586.00 (-1.93%) | $295,900 (+22.32%) Land $52,300 Building $243,600 | $295,900 (+22.32%) Land $52,300 Building $243,600 |
| 2024 | $2,637.00 | $241,900 (-) Land $12,200 Building $229,700 | |
| 2023 | $2,637.00 | $241,900 Land $12,200 Building $229,700 | $241,900 (-) Land $12,200 Building $229,700 |
| 2021 | $241,900 Land $12,200 Building $229,700 |
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 | None beyond ember reach |
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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