Union County property record for 604 Craig St, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 825 sqft · built 1950 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $182,000 (Dec 2022) |
| Tax Bill | $1,183 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-273-198 |
| Primary APN | 09-273-198 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 825 sqft Living Area |
| 1st Floor Area | 825 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,151 sqft (0.256 acres) |
| Porch | Porch |
| Porch Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 604 CRAIG ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-4534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | #26 BLKB WELSH HEIGHTS PB03 PG91 |
| Legal Subdivision | WELSH HEIGHTS |
| Legal Block | B |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20501 |
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 | 604 CRAIG ST, MONROE, NC 28112-4534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 7, 2022 · Amount on Record |
| Deed Sale | Dec 7, 2022 · Amount on Record |
| Prior Sale | Apr 13, 2021 · Amount on Record |
| Deed Document Number | 202240110 |
| Deed Book / Page | 8620 / 839 |
| Prior Transfer Date | Jun 5, 2007 |
| Prior Transfer Doc | 4581133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 7, 2022 |
| Property Address | 604 CRAIG ST, MONROE, NC 28112-4534 |
| Document Number | 0008620839 |
| Book / Page | 8620 / 839 |
| Map Reference | MB 3 PG 91 |
| Instrument Date | Dec 7, 2022 |
| Instrument | 40110 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $364.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 CRAIG ST, MONROE, NC 28112-4534 |
| Document Number | 0000040111 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 40111 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
| Type Change Date | Jan 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.9% |
| Max Rate At Change | 7.9% |
| Index | 5-Year TN |
| Max Rate | 11.9% |
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 | $135,400 (-) Land $33,100 Building $102,300 | $135,400 (-) Land $33,100 Building $102,300 | |
| 2025 | $1,183.00 (+53.84%) | $135,400 (+91.78%) Land $33,100 Building $102,300 | $135,400 (+91.78%) Land $33,100 Building $102,300 |
| 2023 | $769.00 | $70,600 Land $17,500 Building $53,100 | $70,600 Land $17,500 Building $53,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 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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