582 Frances St, Monroe, NC 28110 Property Records

Union County property record for 582 Frances St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,185 sqft · built 1996
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (Mar 2021)
Tax Bill	$1,843 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-084-026`

Property Details

APN / Parcel Number

Primary APN	`09-084-026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,185 sqft Living Area
1st Floor Area	1,185 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	582 FRANCES ST
City	MONROE
State	NC
Zip	28110-8897
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 MONRO
Legal Description	#17 URBAN HILLS OPCE312
Legal Subdivision	URBAN HILLS
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2002
Census Tract	20601

Owner

582 Frances St, a rural home, is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	582 FRANCES ST, MONROE, NC 28110-8897
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
Mar 26, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 26, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2021 · Amount on File
Deed Sale	Mar 26, 2021 · Amount on File
Prior Sale	Jan 12, 2016 · Amount on File
Deed Document Number	202114203
Deed Book / Page	8040 / 782
Prior Transfer Date	Sep 19, 2006
Prior Transfer Doc	0004311752
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 26, 2021
Property Address	582 FRANCES ST, MONROE, NC 28110-8897
Document Number	8040782
Book / Page	8040 / 782
Map Reference	CAB E FILE 312
Instrument Date	Feb 16, 2021
Instrument	14203
Transaction Type	Transfer
Record Updated	Apr 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	582 FRANCES ST, MONROE, NC 28110-8897

Mortgage

Document Number	14204
Date	Mar 26, 2021
Instrument	14204

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 26, 2021
Property Address	582 FRANCES ST, MONROE, NC 28110-8897
Document Number	0008040782
Book / Page	8040 / 782
Map Reference	CAB E FILE 312
Instrument Date	Feb 16, 2021
Instrument	14203
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	582 FRANCES ST, MONROE, NC 28110-8897

Mortgage

Document Number	0000014204
Date	Mar 26, 2021
Instrument	14204

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Mortgage

Document Number	0008040794
Date	Mar 26, 2021
Book Page	8040/794
Instrument	14205

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 582 Frances St was $1,843.

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		$210,900 (-) Land $23,200 Building $187,700	$210,900 (-) Land $23,200 Building $187,700
2025	$1,843.00	$210,900 Land $23,200 Building $187,700	$210,900 Land $23,200 Building $187,700
2023	$1,260.00	$115,600 Land $11,500 Building $104,100	$115,600 Land $11,500 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 582 Frances St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 582 Frances St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct 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 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 41 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Frances St

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