Union County property record for 109 Carter Rd, Monroe, NC 28110 · Last verified April 2026
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 1962 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $383,500 (Dec 2025) |
| Tax Bill | $1,549 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jun 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-405-027 |
| Primary APN | 09-405-027 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| 1st Floor Area | 1,972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 41,818 sqft (0.96 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 135 sqft |
| Deck Area | 260 sqft |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 109 CARTER RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | GREENWOOD AC 109 CARTER RD |
| Legal Subdivision | GREENWOOD ACRES |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 20308 |
Source: Union County records · APN 09-405-027
Assessment roll updated March 31, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1525 SPRINGFIELD DR, WAXHAW, NC 28173-0151 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC |
| Jun 20, 2024 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| May 05, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 15, 2025 | Warranty Deed, Transfer · Conventional Mortgage NEXA MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 15, 2025 · Amount on Record |
| Deed Sale | Dec 15, 2025 · Amount on Record |
| Prior Sale | Aug 29, 2013 · Amount on Record |
| Deed Document Number | 202533234 |
| Deed Book / Page | 9266 / 825 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 109 CARTER RD, MONROE, NC 28110-9549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2026 |
| Title Company | UNKNOWN, NETCO |
| Name | Verified Name |
|---|
| Document Number | 0008782499 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 8782/499 |
| Instrument | 22645 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 109 CARTER RD, MONROE, NC 28110-9549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2026 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 109 CARTER RD, MONROE, NC 28110-9549 |
| Document Number | 0000892424 |
|---|---|
| Date | Jun 20, 2024 |
| Book Page | 8924/24 |
| Instrument | 14082 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 109 CARTER RD, MONROE, NC 28110-9549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0009111247 |
|---|---|
| Date | May 05, 2025 |
| Book Page | 9111/247 |
| Instrument | 10855 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 24, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 15, 2025 |
| Property Address | 109 CARTER RD, MONROE, NC 28110-9549 |
| Document Number | 0009266825 |
| Book / Page | 9266 / 825 |
| Instrument Date | Dec 12, 2025 |
| Instrument | 33234 |
| Transaction Type | Transfer |
| Record Updated | Jan 02, 2026 |
| Title Company | TRYON TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $767.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 711 ROARING RIVER DR, HAYS, NC 28635-6007 |
| Name | Verified Name |
|---|---|
| Address | 1525 SPRINGFIELD DR, WAXHAW, NC 28173-0151 |
| Document Number | 0000033235 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 33235 |
| Name | NEXA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,549.00 (+13.07%) | $320,300 (+49.6%) Land $54,200 Building $266,100 | $320,300 (+49.6%) Land $54,200 Building $266,100 |
| 2023 | $1,370.00 | $214,100 Land $43,200 Building $170,900 | $214,100 Land $43,200 Building $170,900 |
Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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