Union County property record for 430 Wharton St, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,695 sqft · built 2022 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | Individual Name on File |
| Last Sale | $368,000 (Sep 2022) |
| Tax Bill | $3,158 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-177-188 |
| Primary APN | 09-177-188 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,695 sqft Living Area |
| 1st Floor Area | 1,695 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Lot Area | 7,797 sqft (0.179 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 430 WHARTON ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8377 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | # 205 KELLERTON PLACE PH2 MP1 OPCQ108 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 20401 |
430 Wharton St is owned and occupied by an individual who bought it in September 2022.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 430 WHARTON ST, MONROE, NC 28110-8377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on File |
| Deed Sale | Sep 29, 2022 · Amount on File |
| Deed Document Number | 202233911 |
| Deed Book / Page | 8581 / 382 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 29, 2022 |
| Property Address | 430 WHARTON ST, MONROE, NC 28110-8377 |
| Document Number | 0008581382 |
| Book / Page | 8581 / 382 |
| Map Reference | CAB Q PG 108&109 |
| Instrument Date | Sep 29, 2022 |
| Instrument | 33911 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $736.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5350 77 CENTER DR # DR100, DR100, CHARLOTTE, NC 28217-2781 |
| Name | Verified Name |
|---|---|
| Address | 430 WHARTON ST, MONROE, NC 28110-8377 |
| Document Number | 0000033912 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 33912 |
| Name | M/I FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 430 Wharton St was $3,158.
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 | $361,300 (-) Land $77,300 Building $284,000 | $361,300 (-) Land $77,300 Building $284,000 | |
| 2025 | $3,158.00 | $361,300 Land $77,300 Building $284,000 | $361,300 Land $77,300 Building $284,000 |
| 2023 | $2,794.00 | $256,300 Land $47,500 Building $208,800 | $256,300 Land $47,500 Building $208,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 Wharton St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 2 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · other causes |
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 risk around 430 Wharton St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 110 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 |
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