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

Union County property record for 418 E Old Highway 74, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,367 sqft · built 1945
Lot Size	2.53 acres (110,207 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,954 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-121-016`

Property Details

APN / Parcel Number

Primary APN	`09-121-016`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,367 sqft Living Area
1st Floor Area	1,367 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Asbestos
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	110,207 sqft (2.53 acres)

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	418 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	MARSH 418 OLD HWY 74
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2034
Census Tract	20601

Owner

Source: Union County records, as of July 21, 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 Record
Mailing Address	418 E OLD HIGHWAY 74, MONROE, NC 28112-8124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Mar 24, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Dec 26, 2018	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	418 E OLD HIGHWAY 74, MONROE, NC 28112-8124
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 E OLD HIGHWAY 74, MONROE, NC 28112-8124

Mortgage

Document Number	0009282219
Date	Jan 7, 2026
Book Page	9282/219
Instrument	383

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	418 E OLD HIGHWAY 74, MONROE, NC 28112-8124
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 E OLD HWY, MONROE, NC 28112

Mortgage

Document Number	0008433538
Date	Mar 24, 2022
Book Page	8433/538
Instrument	10895

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	418 E OLD HIGHWAY 74, MONROE, NC 28112-8124
Document Number	729234
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	418 E OLD HIGHWAY 74 MONROE NC 281128124, MONROE, NC 28112-8124

Mortgage

Document Number	729234
Date	Dec 31, 2018
Book Page	007292/000034
Instrument	35611

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2048

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	$1,954.00 (+5.79%)	$223,600 (+32%) Land $74,300 Building $149,300	$223,600 (+32%) Land $74,300 Building $149,300
2023	$1,847.00	$169,400 Land $34,700 Building $134,700	$169,400 Land $34,700 Building $134,700

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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