Union County property record for 406 Lydia St, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,095 sqft · built 1946 |
| Lot Size | 0.372 acres (16,204 sqft) |
| Owner | Individual Name on File |
| Last Sale | $51,053 (Aug 2010) |
| Tax Bill | $2,502 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-226-098 |
| Primary APN | 09-226-098 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,095 sqft Living Area |
| 1st Floor Area | 1,095 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,204 sqft (0.372 acres) |
| Porch | Enclosed Porch |
| Porch Area | 208 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 LYDIA ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-2947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | #14 & #15 STOCKTON PB2 PG91 |
| Legal Subdivision | T C HELMS 2-91 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 20406 |
406 Lydia St, a rural home, is owned and occupied by an individual who bought it in August 2010.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 LYDIA ST, MONROE, NC 28110-2947 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2010 · Amount on File |
| Deed Sale | Aug 26, 2010 · Amount on File |
| Prior Sale | Apr 2, 2007 · Amount on File |
| Deed Document Number | 201020893 |
| Deed Book / Page | 5384 / 135 |
| Prior Transfer Date | Aug 24, 2010 |
| Prior Transfer Doc | 5384135 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 406 Lydia St was $2,502.
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 | $286,300 (-) Land $32,900 Building $253,400 | $286,300 (-) Land $32,900 Building $253,400 | |
| 2025 | $2,502.00 | $286,300 Land $32,900 Building $253,400 | $286,300 Land $32,900 Building $253,400 |
| 2023 | $1,699.00 | $155,800 Land $18,400 Building $137,400 | $155,800 Land $18,400 Building $137,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 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 risk around 406 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.
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 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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