409 E Old Highway 74, Monroe, NC 28112 Property Records

Union County property record for 409 E Old Highway 74, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1998
Lot Size	1.32 acres (57,499 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Sep 2017)
Tax Bill	$2,020 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-121-013F`

Property Details

APN / Parcel Number

Primary APN	`09-121-013F`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	57,499 sqft (1.32 acres)
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 E OLD HIGHWAY 74
City	MONROE
State	NC
Zip	28112-8124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20 MONRO
Legal Description	#5 HEATHERLIN PROPERTIES OPCE874
Legal Subdivision	HEATHERLIN PROPERTIES
Legal Lot Number	5
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2041
Census Tract	20601

Owner

Source: Union County records, 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	Individual Name on Record
Mailing Address	122 CHRIST SCHOOL RD, ARDEN, NC 28704-9722
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 8, 2017	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	Feb 28, 2007 · Amount on Record
Deed Document Number	201726463
Deed Book / Page	7011 / 368
Prior Transfer Date	Jul 20, 2016
Prior Transfer Doc	6727768
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	409 E OLD HIGHWAY 74, MONROE, NC 28112-8124
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	STATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8298133
Date	Oct 29, 2021
Book Page	8298/133
Instrument	51856

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 8, 2017
Property Address	409 E OLD HIGHWAY 74, MONROE, NC 28112-8124
Document Number	0007011368
Book / Page	7011 / 368
Map Reference	CAB E FILE 874
Instrument Date	Aug 22, 2017
Instrument	0026463
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE INSURANCE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E OLD HIGHWAY 74, MONROE, NC 28112-8124

Mortgage

Document Number	0000026464
Date	Sep 8, 2017
Instrument	0026464

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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
2025	$2,020.00 (+8.6%)	$231,100 (+35.46%) Land $69,200 Building $161,900	$231,100 (+35.46%) Land $69,200 Building $161,900
2023	$1,860.00	$170,600 Land $27,000 Building $143,600	$170,600 Land $27,000 Building $143,600

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 · 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

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 64 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: T-Mobile, Windstream.

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