2004 Brook Valley Run, Monroe, NC 28110 Property Records

Union County property record for 2004 Brook Valley Run, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,880 sqft · built 2005
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual on Record
Last Sale	$170,000 (Nov 2005)
Tax Bill	$1,289 (2025)
Deeds & Mortgages	Aug 2022 Reverse Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-093-297`

Property Details

APN / Parcel Number

Primary APN	`07-093-297`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Hip
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2004 BROOK VALLEY RUN
City	MONROE
State	NC
Zip	28110-6319
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-2 INDIA
Legal Description	#84 BROOK VALLEY PH1 OPCG872
Legal Subdivision	BROOK VALLEY
Legal Lot Number	84
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2002
Census Tract	20307

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	2004 BROOK VALLEY RUN, MONROE, NC 28110-6319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 23, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Dec 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2005 · Amount on Record
Deed Sale	Nov 22, 2005 · Amount on Record
Deed Document Number	20056230
Deed Book / Page	3990 / 508
Prior Transfer Date	Jul 21, 2005
Prior Transfer Doc	0003853051
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2004 BROOK VALLEY RUN, MONROE, NC 28110-6319
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 BROOK VALLEY RUN, MONROE, NC 28110-6319

Mortgage

Document Number	0008543898
Date	Aug 8, 2022
Book Page	8543/898
Instrument	28059

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	845 Months
Due	Jan 20, 2093

Interest

Rate Type	Adjustable Rate
Rate	5.44%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.4%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2004 BROOK VALLEY RUN, MONROE, NC 28110-6319
Document Number	7084400
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 26, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2004 BROOK VALLEY RUN MONROE NC 281106319, MONROE, NC 28110-6319

Mortgage

Document Number	7084400
Date	Jan 9, 2018
Book Page	007084/000400
Instrument	620

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Jan 8, 2093

Interest

Rate Type	Adjustable Rate
Rate	5.08%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2004 BROOK VALLEY RUN, MONROE, NC 28110-6319
Document Number	7084419
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2004 BROOK VALLEY RUN MONROE NC 281106319, MONROE, NC 28110-6319

Mortgage

Document Number	7084419
Date	Jan 9, 2018
Book Page	007084/000419
Instrument	621

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Jan 8, 2093

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Indian Trail Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,289.00 (-41.81%)	$376,100 (+43.49%) Land $81,000 Building $295,100	$376,100 (+43.49%) Land $81,000 Building $295,100
2023	$2,215.00	$262,100 Land $54,600 Building $207,500	$262,100 Land $54,600 Building $207,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2023 · river or lake flooding

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	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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Windstream.

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