412 Cuthbertson St, Monroe, NC 28110 Property Records

Union County property record for 412 Cuthbertson St, Monroe, NC 28110 · Last verified April 2026

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,188 sqft · built 1990
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$188,000 (Mar 2021)
Tax Bill	$1,734 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-115-071`

Property Details

APN / Parcel Number

Primary APN	`09-115-071`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	1,008 sqft
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 CUTHBERTSON ST
City	MONROE
State	NC
Zip	28110-3808
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	#13 MCMILLIAN 8026-232
Legal Subdivision	SUTTON HEIGHTS 4-30
Legal Lot Number	13
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2014
Census Tract	20601

Owner

Source: Union County records · APN 09-115-071

Assessment roll updated March 31, 2026 · Last verified April 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 File
Mailing Address	412 CUTHBERTSON ST, MONROE, NC 28110-3808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 15, 2021 · Amount on Record
Deed Sale	Mar 15, 2021 · Amount on Record
Prior Sale	Jul 09, 2002 · Amount on Record
Deed Document Number	202112003
Deed Book / Page	8026 / 232
Record Updated	Jun 08, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 15, 2021
Property Address	412 CUTHBERTSON ST, MONROE, NC 28110-3808
Document Number	0008026232
Book / Page	8026 / 232
Instrument Date	Mar 15, 2021
Instrument	12003
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$376.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 CUTHBERTSON ST, MONROE, NC 28110-3808

Mortgage

Document Number	0000012004
Date	Mar 15, 2021
Instrument	12004

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 05, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Apr 05, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.5%
Index	3-Year TN
Max Rate	8.5%

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,734.00 (+42.83%)	$198,400 (+78.1%) Land $31,200 Building $167,200	$198,400 (+78.1%) Land $31,200 Building $167,200
2023	$1,214.00	$111,400 Land $11,700 Building $99,700	$111,400 Land $11,700 Building $99,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371790206012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 90 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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