Union County property record for 440 Wharton St, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,384 sqft · built 2022 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $415,000 (Sep 2022) |
| Tax Bill | $3,710 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-177-189 |
| Primary APN | 09-177-189 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,384 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 11,021 sqft (0.253 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 440 WHARTON ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8377 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | # 206 KELLERTON PLACE PH2 MP1 OPCQ108 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 20401 |
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 | 440 WHARTON ST, MONROE, NC 28110-8377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on Record |
| Deed Sale | Sep 29, 2022 · Amount on Record |
| Deed Document Number | 202233987 |
| Deed Book / Page | 8582 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 29, 2022 |
| Property Address | 440 WHARTON ST, MONROE, NC 28110-8377 |
| Document Number | 0000085821 |
| Book / Page | 8582 / 1 |
| Map Reference | CAB Q FILE 108&109 |
| Instrument Date | Sep 29, 2022 |
| Instrument | 33987 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $830.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5350 77 CENTER DR # DR100, DR100, CHARLOTTE, NC 28217-2781 |
| Name | Verified Name |
|---|---|
| Address | 440 WHARTON ST, MONROE, NC 28110-8377 |
| Document Number | 0000033988 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 33988 |
| Name | M/I FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
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 | $424,400 (-) Land $77,300 Building $347,100 | $424,400 (-) Land $77,300 Building $347,100 | |
| 2025 | $3,710.00 (+15.97%) | $424,400 (+44.65%) Land $77,300 Building $347,100 | $424,400 (+44.65%) Land $77,300 Building $347,100 |
| 2023 | $3,199.00 | $293,400 Land $47,500 Building $245,900 | $293,400 Land $47,500 Building $245,900 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% 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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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