Union County property record for 407 Harris Ln, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,282 sqft · built 1955 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,554 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-195-046 |
| Primary APN | 09-195-046 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,282 sqft Living Area |
| 1st Floor Area | 2,235 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Porch | Slab |
| Porch Area | 52 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 407 HARRIS LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-5765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | 407 HARRIS LANE |
| Legal Subdivision | G M TUCKER |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 20602 |
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 | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Mar 8, 2024 | Deed of Trust, Mortgage · Conventional Mortgage MISSION LOANS LLC |
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CRESCENT MORTGAGE CO |
| Nov 28, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Nov 28, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 6, 2007 |
| Transfer Doc | 4682827 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Document Number | 0000925222 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 9252/22 |
| Instrument | 31064 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Document Number | 0000886634 |
|---|---|
| Date | Mar 8, 2024 |
| Book Page | 8866/34 |
| Instrument | 5127 |
| Name | MISSION LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8246421 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 8246/421 |
| Instrument | 44253 |
| Name | CRESCENT MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 7060397 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 7060/397 |
| Instrument | 0034766 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | MONROE, NC 28110 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 96 Months |
| Due | Nov 21, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 407 HARRIS LN, MONROE, NC 28112-5765 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 7060389 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 7060/389 |
| Instrument | 0034765 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | MONROE, NC 28110 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Nov 21, 2039 |
| Rate Type | Adjustable Rate |
|---|
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 | $292,200 (-) Land $54,700 Building $237,500 | $292,200 (-) Land $54,700 Building $237,500 | |
| 2025 | $2,554.00 (+8.31%) | $292,200 (+35.09%) Land $54,700 Building $237,500 | $292,200 (+35.09%) Land $54,700 Building $237,500 |
| 2023 | $2,358.00 | $216,300 Land $13,800 Building $202,500 | $216,300 Land $13,800 Building $202,500 |
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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