509 N Bragg St, Monroe, NC 28112 Property Records

Union County property record for 509 N Bragg St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 752 sqft · built 1945
Lot Size	0.276 acres (12,023 sqft)
Owner	2 Individual Names on File
Last Sale	$172,000 (Jul 2023)
Tax Bill	$1,199 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-273-233`

Property Details

APN / Parcel Number

Primary APN	`09-273-233`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	752 sqft Living Area
1st Floor Area	752 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,023 sqft (0.276 acres)
Porch	Slab
Porch Area	160 sqft

Location & Zoning

Street Address	509 N BRAGG ST
City	MONROE
State	NC
Zip	28112-4627
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#10-#13 NELSON HEIGHTS BLKE PB01 PG28
Legal Subdivision	NELSON HEIGHTS
Legal Block	E
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1002
Census Tract	20501

Owner

509 N Bragg St, a rural home, is owned by two individuals who bought it in July 2023.

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	215 W PHIFER ST, MONROE, NC 28110-2956
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU
Jul 5, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on File
Deed Sale	Jul 5, 2023 · Amount on File
Prior Sale	May 24, 2001 · Amount on File
Deed Document Number	202316040
Deed Book / Page	8739 / 361
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 5, 2023
Property Address	509 N BRAGG ST, MONROE, NC 28112-4627
Document Number	0008739361
Book / Page	8739 / 361
Map Reference	MB 1 PG 28&29
Instrument Date	Jul 5, 2023
Instrument	16040
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2316 MICHAEL DR, LANCASTER, SC 29720-8377

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 W PHIFER ST, MONROE, NC 28110-2956

Mortgage

Document Number	0000016041
Date	Jul 5, 2023
Instrument	16041

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 5, 2038

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jul 5, 2023
Property Address	509 N BRAGG ST, MONROE, NC 28112-4627
Document Number	0008739359
Book / Page	8739 / 359
Map Reference	MB 1 PG 28&29
Instrument Date	Jul 5, 2023
Instrument	16039
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2316 MICHAEL DR, LANCASTER, SC 29720-8377

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2316 MICHAEL DR, LANCASTER, SC 29720-8377

Tax Assessment & Valuation

The 2025 property tax bill for 509 N Bragg St was $1,199.

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		$137,200 (-) Land $33,300 Building $103,900	$137,200 (-) Land $33,300 Building $103,900
2025	$1,199.00	$137,200 Land $33,300 Building $103,900	$137,200 Land $33,300 Building $103,900
2023	$491.00	$45,100 (-) Land $17,600 Building $27,500	$45,100 (-) Land $17,600 Building $27,500
2022	$491.00	$45,100 Land $17,600 Building $27,500	$45,100 Land $17,600 Building $27,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 509 N Bragg St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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

Wildfire risk around 509 N Bragg St is low, with 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 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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