Union County property record for 409 Lydia St, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,684 sqft · built 1946 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Company Name on Record |
| Last Sale | $431,500 (Aug 2005) |
| Tax Bill | $2,709 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-226-104 |
| Primary APN | 09-226-104 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,684 sqft Living Area |
| Gross Area | 1,736 sqft |
| 1st Floor Area | 1,160 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Porch | Slab |
| Porch Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 LYDIA ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-2946 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | 8857-0648 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 20406 |
Source: Union County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3602 MCPHERSON ST, WAXHAW, NC 28173-6404 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2005 · Amount on Record |
| Deed Sale | Aug 29, 2005 · Amount on Record |
| Deed Document Number | 200591147 |
| Deed Book / Page | 3895 / 444 |
| Last Transfer Date | Feb 21, 2024 |
| Transfer Doc | 0008857648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 23, 2024 |
| Property Address | 409 LYDIA ST, MONROE, NC 28110-2946 |
| Document Number | 0008857648 |
| Book / Page | 8857 / 648 |
| Instrument Date | Feb 21, 2024 |
| Instrument | 3875 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3602 MCPHERSON ST, WAXHAW, NC 28173-6404 |
| Name | Verified Name |
|---|---|
| Address | 3602 MCPHERSON ST, WAXHAW, NC 28173-6404 |
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 | $309,900 (-) Land $31,400 Building $278,500 | $309,900 (-) Land $31,400 Building $278,500 | |
| 2025 | $2,709.00 (+54.89%) | $309,900 (+93.2%) Land $31,400 Building $278,500 | $309,900 (+93.2%) Land $31,400 Building $278,500 |
| 2023 | $1,749.00 | $160,400 Land $17,600 Building $142,800 | $160,400 Land $17,600 Building $142,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 297 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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