609 Welsh Ave, Monroe, NC 28112 Property Records

Union County property record for 609 Welsh Ave, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,096 sqft · built 1952
Lot Size	0.255 acres (11,108 sqft)
Owner	Individual on Record
Last Sale	$214,000 (Jul 2021)
Tax Bill	$1,584 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-273-180`

Property Details

APN / Parcel Number

Primary APN	`09-273-180`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,096 sqft Living Area
1st Floor Area	914 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,108 sqft (0.255 acres)
Porch	Slab
Porch Area	133 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 WELSH AVE
City	MONROE
State	NC
Zip	28112-4557
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#37 BLKA WELSH HEIGHTS PB3 PG91
Legal Subdivision	WELSH HEIGHTS
Legal Block	A
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1001
Census Tract	20501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	609 WELSH AVE, MONROE, NC 28112-4557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 1, 2017	Warranty Deed, Transfer · Conventional with PMI LATINO CMNTY CU
Apr 19, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Jun 1, 2017 · Amount on Record
Deed Document Number	202134343
Deed Book / Page	8177 / 472
Prior Transfer Date	Feb 9, 1996
Prior Transfer Doc	0843000266
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 21, 2021
Property Address	609 WELSH AVE, MONROE, NC 28112-4557
Document Number	8177472
Book / Page	8177 / 472
Map Reference	MB 3 PG 91
Instrument Date	Jul 20, 2021
Instrument	34343
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$428.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3124 DEER TRACK LN, 3124, MONROE, NC 28110-8608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 WELSH AVE, MONROE, NC 28112-4557

Mortgage

Document Number	34344
Date	Jul 21, 2021
Instrument	34344

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 1, 2017
Property Address	609 WELSH AVE, MONROE, NC 28112-4557
Document Number	6943352
Book / Page	006943 / 000352
Instrument Date	May 30, 2017
Instrument	15222
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 WELSH AVE MONROE NC 281124557, MONROE, NC 28112-4557

Mortgage

Document Number	6943354
Date	Jun 1, 2017
Book Page	006943/000354
Instrument	15223

Lender

Name	LATINO CMNTY CU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.75%

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Apr 19, 2017
Property Address	609 WELSH AVE, MONROE, NC 28112-4557
Document Number	6914865
Book / Page	006914 / 000865
Instrument Date	Mar 2, 2017
Instrument	10588
Transaction Type	Foreclosure
Record Updated	Jul 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$132.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	3816 MOORELAND FARMS RD CHARLOTTE NC 282265402, CHARLOTTE, NC 28226-5402
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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
2025	$1,584.00 (+37.74%)	$181,300 (+71.85%) Land $33,100 Building $148,200	$181,300 (+71.85%) Land $33,100 Building $148,200
2023	$1,150.00	$105,500 Land $17,400 Building $88,100	$105,500 Land $17,400 Building $88,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

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 259 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

May also be available: Frontier.

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