Union County property record for 431 Morgan Mill Rd, Monroe, NC 28110
| Property Type | Commercial |
|---|---|
| Details | 8,000 sqft · built 1988 |
| Lot Size | 0.763 acres (33,236 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (Aug 2024) |
| Tax Bill | $3,085 (2025) |
| Deeds & Mortgages | Sep 2022 Sale Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-189-038 |
| Primary APN | 09-189-038 |
|---|
| Units | 3 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 8,000 sqft Total Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Roof Material | Wood |
| Lot Area | 33,236 sqft (0.763 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 431 MORGAN MILL RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-3566 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | OT MONROE |
| Legal Description | #2, #3, #4 PLYLER HEIGHTS PLUS ACREAGE PB03 PG69 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2024 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1517 MAURICE TRULL RD, WINGATE, NC 28174-8278 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2022 | Warranty Deed, Transfer |
| Sep 4, 2018 | Deed of Trust, Mortgage CARLTON LAND INV LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2024 · Amount on Record |
| Deed Sale | Aug 20, 2024 · Amount on Record |
| Deed Document Number | 202419752 |
| Deed Book / Page | 8961 / 687 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 28, 2022 |
| Property Address | 431 MORGAN MILL RD, MONROE, NC 28110-3566 |
| Document Number | 0008580208 |
| Book / Page | 8580 / 208 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 33749 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1561, MONROE, NC 28111-1561 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 431 MORGAN MILL RD, MONROE, NC 28110-3566 |
| Document Number | 7229498 |
| Instrument Date | Sep 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 431 MORGAN MILL RD MONROE NC 281103566, MONROE, NC 28110-3566 |
| Document Number | 7229498 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 007229/000498 |
| Instrument | 25187 |
| Name | CARLTON LAND INV LLC |
|---|---|
| Address | MONROE, NC 28111-0749 |
| Amount | Amount Recorded |
|---|---|
| Term | 24 Months |
| Due | Sep 3, 2020 |
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 | $353,000 (-) Land $214,600 Building $138,400 | $353,000 (-) Land $214,600 Building $138,400 | |
| 2025 | $3,085.00 (-33.57%) | $353,000 (-17.12%) Land $214,600 Building $138,400 | $353,000 (-17.12%) Land $214,600 Building $138,400 |
| 2023 | $4,644.00 | $425,900 Land $171,700 Building $254,200 | $425,900 Land $171,700 Building $254,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% 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 | 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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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