406 Riggins St, Monroe, NC 28110 Property Records

Union County property record for 406 Riggins St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,299 sqft · built 1930
Lot Size	0.281 acres (12,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$92,000 (Jun 2016)
Tax Bill	$1,504 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-229-051`

Property Details

APN / Parcel Number

Primary APN	`09-229-051`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,299 sqft Living Area
Gross Area	1,302 sqft
1st Floor Area	1,299 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.281 acres)
Garage Type	Detached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 RIGGINS ST
City	MONROE
State	NC
Zip	28110-3120
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#2 TUCKER 6507-528
Legal Subdivision	H W TUCKER
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1020
Census Tract	20406

Owner

Source: Union County records, as of October 20, 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	406 RIGGINS ST, MONROE, NC 28110-3120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Apr 25, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2016 · Amount on Record
Deed Sale	Jun 15, 2016 · Amount on Record
Prior Sale	Aug 12, 2015 · Amount on Record
Deed Document Number	201617083
Deed Book / Page	6698 / 722
Prior Transfer Date	Sep 21, 2013
Prior Transfer Doc	0119000312
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	406 RIGGINS ST, MONROE, NC 28110-3120
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008700464
Date	May 2, 2023
Book Page	8700/464
Instrument	10203

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 25, 2022
Property Address	406 RIGGINS ST, MONROE, NC 28110-3120
Document Number	0008462534
Book / Page	8462 / 534
Instrument Date	Apr 22, 2022
Instrument	15295
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38169 SPRING CANYON DR, 38169, MURRIETA, CA 92563-7111

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	406 RIGGINS ST, MONROE, NC 28110-3120

Mortgage

Document Number	0000015296
Date	Apr 25, 2022
Instrument	15296

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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		$172,100 (-) Land $31,800 Building $140,300	$172,100 (-) Land $31,800 Building $140,300
2025	$1,504.00 (+0.6%)	$172,100 (+25.53%) Land $31,800 Building $140,300	$172,100 (+25.53%) Land $31,800 Building $140,300
2023	$1,495.00	$137,100 Land $17,700 Building $119,400	$137,100 Land $17,700 Building $119,400

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

Flood

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

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.

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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