504 N Bragg St, Monroe, NC 28112 Property Records

Union County property record for 504 N Bragg St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 ba · 1,124 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$97,000 (Sep 2008)
Tax Bill	$1,902 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-273-247B`

Property Details

APN / Parcel Number

Primary APN	`09-273-247B`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,124 sqft Living Area
1st Floor Area	1,124 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)

Exterior Amenities

Porch	Slab
Porch Area	70 sqft
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	504 N BRAGG ST
City	MONROE
State	NC
Zip	28112-4628
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#3 MLLS OPCE663
Legal Subdivision	ARNOLD MILLS
Legal Lot Number	3
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1010
Census Tract	20501

Owner

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	504 N BRAGG ST, MONROE, NC 28112-4628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jul 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Jul 25, 2019	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2008 · Amount on Record
Deed Sale	Sep 26, 2008 · Amount on Record
Prior Sale	Jul 30, 1999 · Amount on Record
Deed Document Number	200834638
Deed Book / Page	4981 / 120
Prior Transfer Date	Aug 1, 2008
Prior Transfer Doc	0004981118
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	504 N BRAGG ST, MONROE, NC 28112-4628
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008747209
Date	Jul 20, 2023
Book Page	8747/209
Instrument	17284

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	504 N BRAGG ST, MONROE, NC 28112-4628
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7423460
Date	Jul 25, 2019
Book Page	7423/460
Instrument	0021461

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2039

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	504 N BRAGG ST, MONROE, NC 28112-4628
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7423474
Date	Jul 25, 2019
Book Page	7423/474
Instrument	0021462

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
2026		$217,600 (-) Land $32,800 Building $184,800	$217,600 (-) Land $32,800 Building $184,800
2025	$1,902.00 (+24.89%)	$217,600 (+55.76%) Land $32,800 Building $184,800	$217,600 (+55.76%) Land $32,800 Building $184,800
2023	$1,523.00	$139,700 Land $17,200 Building $122,500	$139,700 Land $17,200 Building $122,500

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	3 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · 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

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

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 259 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: Frontier.

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