2105 Phala Ct, Monroe, NC 28112 Property Records

Union County property record for 2105 Phala Ct, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 1997
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual on Record
Last Sale	$125,000 (Aug 2005)
Tax Bill	$922 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-231-079`

Property Details

APN / Parcel Number

Primary APN	`04-231-079`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	1,856 sqft
1st Floor Area	1,376 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	286 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2105 PHALA CT
City	MONROE
State	NC
Zip	28112-8069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#26 WOODFIELD OPCE396
Legal Subdivision	WOODFIELD
Legal Lot Number	26
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
Census Tract	20902

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	2105 PHALA CT, MONROE, NC 28112-8069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2018	Deed of Trust, Mortgage FIFTH THIRD BANK
Mar 1, 2018	Deed of Trust, Mortgage FIFTH THIRD BANK
Apr 15, 2020	Deed of Trust, Mortgage FIFTH THIRD BANK
Dec 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2005 · Amount on Record
Deed Sale	Aug 2, 2005 · Amount on Record
Prior Sale	Dec 23, 1997 · Amount on Record
Deed Document Number	200586865
Deed Book / Page	3866 / 287
Prior Transfer Date	Oct 29, 2004
Prior Transfer Doc	0000046591
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2105 PHALA CT, MONROE, NC 28112-8069
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7111889
Date	Mar 1, 2018
Book Page	7111/889
Instrument	0005400

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2105 PHALA CT, MONROE, NC 28112-8069
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7111873
Date	Mar 1, 2018
Book Page	7111/873
Instrument	0005399

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2033

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2105 PHALA CT, MONROE, NC 28112-8069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7636902
Date	Apr 15, 2020
Book Page	7636/902
Instrument	12454

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2040

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2105 PHALA CT, MONROE, NC 28112-8069
Document Number	756895
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 PHALA CT MONROE NC 281128069, MONROE, NC 28112-8069

Mortgage

Document Number	756895
Date	Jan 22, 2020
Book Page	007568/000095
Instrument	2233

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$922.00 (+32.85%)	$393,200 (+79.3%) Land $70,000 Building $323,200	$393,200 (+79.3%) Land $70,000 Building $323,200
2023	$694.00	$219,300 Land $45,000 Building $174,300	$219,300 Land $45,000 Building $174,300

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

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.

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	0.02% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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