Union County property record for 409 E Houston St, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,712 sqft · built 1921 |
| Lot Size | 0.238 acres (10,367 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Feb 2017) |
| Tax Bill | $2,300 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-231-138 |
| Primary APN | 09-231-138 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,712 sqft Living Area |
| 1st Floor Area | 1,712 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,367 sqft (0.238 acres) |
| Porch | Slab |
| Porch Area | 288 sqft |
| Street Address | 409 E HOUSTON ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-5635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | #B OPCN461 |
| Legal Subdivision | HOUSTON STREET |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1034 |
| 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.
Source: Union County assessment roll, as of March 31, 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 File |
|---|---|
| Mailing Address | 409 E HOUSTON ST, MONROE, NC 28112-5635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage ALABAMA HOUSING FINANCE AUTHORITY |
| Feb 1, 2017 | Warranty Deed, Transfer · FHA Mortgage IMORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 1, 2017 · Amount on Record |
| Deed Sale | Feb 1, 2017 · Amount on Record |
| Prior Sale | Dec 22, 2015 · Amount on Record |
| Deed Document Number | 20172904 |
| Deed Book / Page | 6869 / 681 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 409 E HOUSTON ST, MONROE, NC 28112-5635 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|---|
| Address | 409 E HOUSTON ST, MONROE, NC 28112-5635 |
| Document Number | 0008349279 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 8349/279 |
| Instrument | 59465 |
| Name | ALABAMA HOUSING FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | MONTGOMERY, AL 36117 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 1, 2017 |
| Property Address | 409 E HOUSTON ST, MONROE, NC 28112-5635 |
| Document Number | 6869681 |
| Book / Page | 006869 / 000681 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 2904 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 409 E HOUSTON ST MONROE NC 281125635, MONROE, NC 28112-5635 |
| Document Number | 6869683 |
|---|---|
| Date | Feb 1, 2017 |
| Book Page | 006869/000683 |
| Instrument | 2905 |
| Name | IMORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2047 |
| Document Number | 6869694, |
|---|---|
| Date | Feb 1, 2017 |
| Book Page | 006869/000694 |
| Instrument | 2906 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | RALEIGH, NC 27611-8066 |
| Amount | Amount Recorded |
|---|
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 |
|---|---|---|---|
| 2025 | $2,300.00 (+48.1%) | $263,100 (+84.63%) Land $38,400 Building $224,700 | $263,100 (+84.63%) Land $38,400 Building $224,700 |
| 2023 | $1,553.00 | $142,500 Land $14,600 Building $127,900 | $142,500 Land $14,600 Building $127,900 |
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 | Direct burnable vegetation at the parcel |
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 USA Fixed Wireless | 100 / 20 |
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