Union County property record for 407 Charles St, Monroe, NC 28112
| Property Type | High-Rise Apartments |
|---|---|
| Details | 2 bd · 2,784 sqft · built 1983 |
| Lot Size | 0.358 acres (15,594 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Sep 2023) |
| Tax Bill | $3,863 (2025) |
| Deeds & Mortgages | Sep 2023 Sale Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-231-103 |
| Primary APN | 09-231-103 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Units | 4 Units |
| Stories | 1 Story |
| Building Area | 2,784 sqft Total Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 15,594 sqft (0.358 acres) |
| Porch | Slab |
| Porch Area | 288 sqft |
| Heating System | HVAC |
|---|
| Street Address | 407 CHARLES ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-5799 |
| Property Category | Commercial |
| Property Type | Residential > Multi-Unit > High-Rise Apartments |
| Local Zoning Code | R-MH MONRO |
| Legal Description | 0.358 PROPERTY 1 7724-557 |
| Legal Subdivision | 2909910 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1033 |
| 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.
407 Charles St, a residential property, is owned by two individuals who bought it in September 2023.
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 File |
|---|---|
| Mailing Address | PO BOX 2166, MATTHEWS, NC 28106-2166 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2023 | Warranty Deed, Transfer INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Jul 2, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2023 · Amount on File |
| Deed Sale | Sep 26, 2023 · Amount on File |
| Prior Sale | Jul 2, 2020 · Amount on File |
| Deed Document Number | 202323407 |
| Deed Book / Page | 8787 / 90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 26, 2023 |
| Property Address | 407 CHARLES ST, MONROE, NC 28112-5799 |
| Document Number | 0000087879 |
| Book / Page | 8787 / 9 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 23407 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2023 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2066, MONROE, NC 28111-2066 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 2166, MATTHEWS, NC 28106-2166 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jul 2, 2020 |
| Property Address | 407 CHARLES ST, MONROE, NC 28112-5799 |
| Document Number | 7724557 |
| Book / Page | 007724 / 000557 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 24446 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,000.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 2066 MONROE NC 281112066, MONROE, NC 28111-2066 |
The 2025 property tax bill for 407 Charles St was $3,863.
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 | $441,900 (-) Building $441,900 | $441,900 (-) Building $441,900 | |
| 2025 | $3,863.00 | $441,900 Building $441,900 | $441,900 Building $441,900 |
| 2023 | $1,324.00 | $121,500 (-) Land $15,600 Building $105,900 | $121,500 (-) Land $15,600 Building $105,900 |
| 2022 | $1,324.00 | $121,500 Land $15,600 Building $105,900 | $121,500 Land $15,600 Building $105,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 407 Charles St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 407 Charles 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 | Direct burnable vegetation |
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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