Union County property record for 600 Cuthbertson St, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,360 sqft · built 1985 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $89,000 (Mar 2007) |
| Tax Bill | $1,010 (2025) |
| Deeds & Mortgages | Dec 2022 Reverse Mortgage May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-115-120 |
| Primary APN | 09-115-120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 480 sqft |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 600 CUTHBERTSON ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-3812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | 9186-0332 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 20601 |
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 | 600 CUTHBERTSON ST, MONROE, NC 28110-3812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Dec 27, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| May 22, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2007 · Amount on Record |
| Deed Sale | Mar 6, 2007 · Amount on Record |
| Deed Document Number | 20079828 |
| Deed Book / Page | 4480 / 225 |
| Last Transfer Date | Aug 21, 2025 |
| Transfer Doc | 0009186332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 600 CUTHBERTSON ST, MONROE, NC 28110-3812 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2023 |
| Title Company | FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 600 CUTHBERTSON ST, MONROE, NC 28110-3812 |
| Document Number | 0008631313 |
|---|---|
| Date | Dec 27, 2022 |
| Book Page | 8631/313 |
| Instrument | 41809 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.57% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 600 CUTHBERTSON ST, MONROE, NC 28110-3812 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007676422 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 7676/422 |
| Instrument | 17728 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $231,200 (-) Land $33,700 Building $197,500 | $231,200 (-) Land $33,700 Building $197,500 | |
| 2025 | $1,010.00 (+37.79%) | $231,200 (+71.77%) Land $33,700 Building $197,500 | $231,200 (+71.77%) Land $33,700 Building $197,500 |
| 2023 | $733.00 | $134,600 Land $13,400 Building $121,200 | $134,600 Land $13,400 Building $121,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 90 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 |
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