406 W Windsor St, Monroe, NC 28112 Property Records

Union County property record for 406 W Windsor St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 3,077 sqft · built 1901
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (Dec 2015)
Tax Bill	$1,924 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-232-208`

Property Details

APN / Parcel Number

Primary APN	`09-232-208`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,077 sqft Living Area
1st Floor Area	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Porch	Slab
Porch Area	370 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 W WINDSOR ST
City	MONROE
State	NC
Zip	28112-4748
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8188-394
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2035
Census Tract	20501

Historic Designation

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.

Owner

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	Individual Name on Record
Mailing Address	406 W WINDSOR ST, MONROE, NC 28112-4748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2015 · Amount on Record
Deed Sale	Dec 18, 2015 · Amount on Record
Deed Document Number	201538479
Deed Book / Page	6587 / 178
Last Transfer Date	Jul 21, 2021
Transfer Doc	8188394
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jul 30, 2021
Property Address	406 W WINDSOR ST, MONROE, NC 28112-4748
Document Number	8188394
Book / Page	8188 / 394
Instrument Date	Jul 21, 2021
Instrument	35903
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 W WINDSOR ST, MONROE, NC 28112

Mortgage

Document Number	35904
Date	Jul 30, 2021
Instrument	35904

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	406 W WINDSOR ST, MONROE, NC 28112-4748
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7269259
Date	Nov 15, 2018
Book Page	7269/259
Instrument	0031898

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company
Address	MONROE, NC 28110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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		$438,300 (+99.14%) Land $49,800 Building $388,500	$438,300 (-) Land $49,800 Building $388,500
2025	$1,924.00 (+17.82%)	$220,100 (-26.54%) Land $24,900 Building $195,200	$438,300 (+46.3%) Land $49,800 Building $388,500
2023	$1,633.00	$299,600 Land $12,600 Building $287,000	$299,600 Land $12,600 Building $287,000

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	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 212 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

May also be available: Frontier, T-Mobile.

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