515 Craig St, Monroe, NC 28112 Property Records

Union County property record for 515 Craig St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,176 sqft · built 1955
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Tax Bill	$1,654 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-273-144`

Property Details

APN / Parcel Number

Primary APN	`09-273-144`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	1,764 sqft
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 CRAIG ST
City	MONROE
State	NC
Zip	28112-4531
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#19 BLK D WELSH HEIGHTS PB3 PG91
Legal Subdivision	WELSH HEIGHTS
Legal Block	D
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1000
Census Tract	20501

Owner

515 Craig St, a rural home, is owned and occupied by an individual who acquired it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	515 CRAIG ST, MONROE, NC 28112-4531
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.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 4, 2018	Special Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 21, 2018	Grant Deed, Foreclosure NATIONAL ASSET MGMT GROUP
Oct 25, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2018
Deed Sale	Jun 4, 2018
Prior Sale	Oct 25, 2017 · Amount on File
Deed Document Number	201815081
Deed Book / Page	7168 / 882
Prior Transfer Date	Oct 20, 2017
Prior Transfer Doc	7040364
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	515 CRAIG ST, MONROE, NC 28112-4531
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8116811
Date	May 27, 2021
Book Page	8116/811
Instrument	25271

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 4, 2018
Property Address	515 CRAIG ST, MONROE, NC 28112-4531
Document Number	0007168882
Book / Page	7168 / 882
Map Reference	MB 3 PG 91
Instrument Date	May 31, 2018
Instrument	0015081
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 MARIETTA ST NW, 40, ATLANTA, GA 30303-2812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 CRAIG ST, MONROE, NC 28112-4531

Mortgage

Document Number	0000015082
Date	Jun 4, 2018
Instrument	0015082

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

March 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Mar 21, 2018
Property Address	515 CRAIG ST, MONROE, NC 28112-4531
Document Number	7121843
Book / Page	007121 / 000843
Instrument Date	Nov 3, 2017
Instrument	7182
Transaction Type	Foreclosure
Record Updated	Apr 16, 2018
Title Company	NATIONAL ASSET MGMT GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST #1D OKLAHOMA CITY OK 731072420, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

October 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Oct 25, 2017
Property Address	515 CRAIG ST, MONROE, NC 28112-4531
Document Number	7040364
Book / Page	007040 / 000364
Instrument Date	Oct 3, 2017
Instrument	31341
Transaction Type	Foreclosure
Record Updated	Dec 12, 2017

Transaction

Amount	Amount on Record
Tax	$191.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	515 CRAIG ST MONROE NC 281124531, MONROE, NC 28112-4531
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 515 Craig St was $1,654.

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		$189,300 (-) Land $33,100 Building $156,200	$189,300 (-) Land $33,100 Building $156,200
2025	$1,654.00	$189,300 Land $33,100 Building $156,200	$189,300 Land $33,100 Building $156,200
2023	$1,326.00	$121,600 Land $17,500 Building $104,100	$121,600 Land $17,500 Building $104,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 515 Craig St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 515 Craig 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
Adjoins Burnable Land	Yes

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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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