2305 Snowcrest Ct, Monroe, NC 28112 Property Records

Union County property record for 2305 Snowcrest Ct, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,876 sqft · built 1973
Lot Size	0.937 acres (40,816 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Sep 2021)
Tax Bill	$1,913 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-357-060`

Property Details

APN / Parcel Number

Primary APN	`09-357-060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,876 sqft Living Area
Gross Area	1,716 sqft
1st Floor Area	1,876 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,816 sqft (0.937 acres)

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2305 SNOWCREST CT
City	MONROE
State	NC
Zip	28112-7002
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#20 RAINBROOK PB07 PG57
Legal Subdivision	RAINBROOK
Legal Lot Number	20
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2005
Census Tract	21005

Owner

2305 Snowcrest Ct, a rural home, is owned and occupied by two individuals who bought it in September 2021.

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2305 SNOWCREST CT, MONROE, NC 28112-7002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOV'T EMPS FCU
Mar 25, 2017	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Prior Sale	May 5, 2014 · Amount on File
Deed Document Number	202146741
Deed Book / Page	8264 / 130
Prior Transfer Date	Feb 9, 2010
Prior Transfer Doc	5291414
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 30, 2021
Property Address	2305 SNOWCREST CT, MONROE, NC 28112-7002
Document Number	8264130
Book / Page	8264 / 130
Map Reference	MB 7 PG 57
Instrument Date	Sep 30, 2021
Instrument	46741
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 SNOWCREST CT, MONROE, NC 28112-7002

Mortgage

Document Number	46742
Date	Sep 30, 2021
Instrument	46742

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Oct 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2305 SNOWCREST CT, MONROE, NC 28112-7002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6975496
Date	Jul 19, 2017
Book Page	6975/496
Instrument	0020469

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	GREENSBORO, NC 27401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2305 SNOWCREST CT, MONROE, NC 28112-7002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7881861
Date	Nov 12, 2020
Book Page	7881/861
Instrument	46583

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Dec 1, 2025
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2305 SNOWCREST CT, MONROE, NC 28112-7002
Document Number	747287
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 SNOWCREST CT MONROE NC 281127002, MONROE, NC 28112-7002

Mortgage

Document Number	747287
Date	Sep 24, 2019
Book Page	007472/000087
Instrument	28885

Lender

Name	LOCAL GOV'T EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2305 SNOWCREST CT, MONROE, NC 28112-7002
Document Number	6903194
Book / Page	006903 / 000194
Instrument Date	Mar 25, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2305 SNOWCREST CT MONROE NC 281127002, MONROE, NC 28112-7002

Mortgage

Document Number	6903194
Date	Mar 30, 2017
Book Page	006903/000194
Instrument	8684

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2305 Snowcrest Ct was $1,913.

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		$397,400 (-) Land $47,600 Building $349,800	$397,400 (-) Land $47,600 Building $349,800
2025	$1,913.00	$397,400 Land $47,600 Building $349,800	$397,400 Land $47,600 Building $349,800
2023	$1,396.00	$220,100 Land $45,500 Building $174,600	$220,100 Land $45,500 Building $174,600

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

Flood

FEMA maps place 2305 Snowcrest Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2305 Snowcrest Ct is low, with a 0.02% annual chance of 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 36 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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