Union County property record for 2106 Phala Ct, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,383 sqft · built 1999 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on File |
| Last Sale | $138,000 (Oct 2003) |
| Tax Bill | $2,095 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-231-073 |
| Primary APN | 04-231-073 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,383 sqft Living Area |
| Gross Area | 1,889 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,124 sqft (0.99 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 2106 PHALA CT |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-8069 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #20 WOODFIELD OPCE396-397 |
| Legal Subdivision | WOODFIELD |
| Legal Lot Number | 20 |
| Jurisdiction | UNION NC |
| Township / Civil Division | BUFORD |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 20902 |
Source: Union County records · APN 04-231-073
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 | Individual Name on File |
|---|---|
| Mailing Address | 2106 PHALA CT, MONROE, NC 28112-8069 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jun 29, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 02, 2003 · Amount on Record |
| Deed Sale | Oct 02, 2003 · Amount on Record |
| Prior Sale | Dec 29, 1999 · Amount on Record |
| Deed Document Number | 200347785 |
| Deed Book / Page | 3239 / 243 |
| Last Transfer Date | Dec 09, 2015 |
| Transfer Doc | 6581752 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 2106 PHALA CT, MONROE, NC 28112-8069 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2106 PHALA CT, MONROE, NC 28112-8069 |
| Document Number | 0008692215 |
|---|---|
| Date | Apr 19, 2023 |
| Book Page | 8692/215 |
| Instrument | 9008 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 2106 PHALA CT, MONROE, NC 28112-8069 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0008431728 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 8431/728 |
| Instrument | 10614 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 2106 PHALA CT, MONROE, NC 28112-8069 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2106 PHALA CT, MONROE, NC 28112-8069 |
| Document Number | 8152675 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 8152/675 |
| Instrument | 30622 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,095.00 (+45.28%) | $454,700 (+95.74%) Land $70,000 Building $384,700 | $454,700 (+95.74%) Land $70,000 Building $384,700 |
| 2023 | $1,442.00 | $232,300 Land $45,000 Building $187,300 | $232,300 Land $45,000 Building $187,300 |
Source: FEMA National Flood Hazard Layer as of September 14, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 25 / 3 |
May also be available: AT&T, Frontier, Spectrum, Verizon.
Based on FCC filings for 20 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | UNION COUNTY WATER SYSTEM serves 169,685 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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