2119 Phala Ct, Monroe, NC 28112 Property Records

Union County property record for 2119 Phala Ct, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,753 sqft · built 1997
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Oct 2006)
Tax Bill	$1,896 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-231-076`

Property Details

APN / Parcel Number

Primary APN	`04-231-076`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,753 sqft Living Area
1st Floor Area	1,313 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	176 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2119 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	#23 WOODFIELD OPCE396
Legal Subdivision	WOODFIELD
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
Census Tract	20902

Owner

Source: Union County records, as of October 20, 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 Record
Mailing Address	2119 PHALA CT, MONROE, NC 28112-8069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2006 · Amount on Record
Deed Sale	Oct 27, 2006 · Amount on Record
Prior Sale	Sep 20, 2005 · Amount on Record
Deed Document Number	200649819
Deed Book / Page	4347 / 674
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2119 PHALA CT, MONROE, NC 28112-8069
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008374333
Date	Jan 14, 2022
Book Page	8374/333
Instrument	1914

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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
2026		$411,500 (-) Land $70,000 Building $341,500	$411,500 (-) Land $70,000 Building $341,500
2025	$1,896.00 (+32.68%)	$411,500 (+78.76%) Land $70,000 Building $341,500	$411,500 (+78.76%) Land $70,000 Building $341,500
2023	$1,429.00	$230,200 Land $45,000 Building $185,200	$230,200 Land $45,000 Building $185,200

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Frontier, Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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