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520 N Secrest Ave, Monroe, NC 28110 Property Records

Union County property record for 520 N Secrest Ave, Monroe, NC 28110

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,450 sqft · built 2008
Lot Size0.565 acres (24,611 sqft)
OwnerIndividual Name on Record
Tax Bill$2,632 (2025)
Deeds & MortgagesFeb 2024 Mortgage
Jan 2022 Second Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN09-115-021A

Property Details

APN / Parcel Number

Primary APN09-115-021A

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,450 sqft Living Area
1st Floor Area1,450 sqft

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Architectural StyleConventional
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area24,611 sqft (0.565 acres)
PorchSlab
Porch Area70 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address520 N SECREST AVE
CityMONROE
StateNC
Zip28110-3834
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeR-10 MONRO
Legal Description#26 HINSON CIRCLE PB4 PG211
Legal SubdivisionHINSON CIRCLE
JurisdictionUNION NC
Township / Civil DivisionMONROE
Census Block Group2
Census Block2012
Census Tract20601

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 RecordIndividual Name on Record
Mailing Address520 N SECREST AVE, MONROE, NC 28110-3834
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Woman, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Feb 21, 2024Intrafamily Transfer, Transfer · Conventional Mortgage
LUMINATE HOME LOANS INC
Jan 5, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
FOUNDERS FCU
Oct 24, 2022Deed of Trust, Mortgage · Conventional Mortgage
FOUNDERS FCU
Jun 2, 2020Correction Deed
ATTORNEY ONLY
Jan 29, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 21, 2024
Deed SaleFeb 21, 2024
Deed Document Number20243642
Deed Book / Page8856 / 393
Prior Transfer DateFeb 15, 2024
Prior Transfer Doc0008856393
Record UpdatedOct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionUNION NC
Recording DateFeb 21, 2024
Property Address520 N SECREST AVE, MONROE, NC 28110-3834
Document Number0008856393
Book / Page8856 / 393
Map ReferenceMB 4 PG 211
Instrument DateFeb 15, 2024
Instrument3642
Transaction TypeTransfer
Record UpdatedMar 13, 2024
Title CompanySECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address520 N SECREST AVE, MONROE, NC 28110-3834

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 N SECREST AVE, MONROE, NC 28110-3834

Mortgage

Document Number0000003643
DateFeb 21, 2024
Instrument3643
Lender
NameLUMINATE HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2054

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NC
Property Address520 N SECREST AVE, MONROE, NC 28110-3834
Transaction TypeMortgage
Record UpdatedDec 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0008365536
DateJan 5, 2022
Book Page8365/536
Instrument543
Lender
NameFOUNDERS FCU
TypeCredit Union
AddressLANCASTER, SC 29720
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term180 Months
DueJan 5, 2037

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NC
Property Address520 N SECREST AVE, MONROE, NC 28110-3834
Transaction TypeMortgage
Record UpdatedDec 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 N SECREST AVE, MONROE, NC 28110-3834

Mortgage

Document Number0000859620
DateOct 24, 2022
Book Page8596/20
Instrument36241
Lender
NameFOUNDERS FCU
TypeCredit Union
AddressLANCASTER, SC 29720
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 5, 2037

June 2020: Correction Deed

Document TypeCorrection Deed
JurisdictionUNION NC
Recording DateJun 2, 2020
Property Address520 N SECREST AVE, MONROE, NC 28110-3834
Document Number7688777
Book / Page007688 / 000777
Instrument DateApr 28, 2020
Instrument19410
Record UpdatedJul 15, 2020
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address516 N SECREST AVE MONROE NC 281103834, MONROE, NC 28110-3834

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION NC
Recording DateJan 29, 2020
Property Address520 N SECREST AVE, MONROE, NC 28110-3834
Document Number757339
Book / Page007573 / 000039
Instrument DateDec 18, 2019
Instrument3040
Transaction TypeTransfer
Record UpdatedMar 5, 2020
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 1688 MONROE NC 281111688, MONROE, NC 28111-1688

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyUnion County
MunicipalityMonroe City
Unified School DistrictUnion County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$301,100 (-) Land $34,700 Building $266,400$301,100 (-) Land $34,700 Building $266,400
2025$2,632.00 (+44.85%)$301,100 (+80.62%) Land $34,700 Building $266,400$301,100 (+80.62%) Land $34,700 Building $266,400
2023$1,817.00$166,700 Land $14,100 Building $152,600$166,700 Land $14,100 Building $152,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 95% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF MONROE
serves 43,081 people · EPA ID NC0190010
Water SourceSurface water
Last State InspectionNov 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Aug 2025
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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 140 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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