Union County property record for 2604 White Pines Ct, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 1,832 sqft · built 2013 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $450,000 (Dec 2024) |
| Tax Bill | $2,014 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Dec 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-417-121 |
| Primary APN | 09-417-121 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,832 sqft Living Area |
| 1st Floor Area | 1,832 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 9,235 sqft (0.212 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 406 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 2604 WHITE PINES CT |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-7780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #145 STONEBRIDGE OPCJ729/OPCJ774-775 |
| Legal Subdivision | STONEBRIDGE |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 21005 |
2604 White Pines Ct, a rural home, is owned by a company that bought it in December 2024.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 2604 WHITE PINES CT, MONROE, NC 28112-7780 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 10, 2024 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Dec 6, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on File |
| Deed Sale | Dec 6, 2024 · Amount on File |
| Prior Sale | Feb 11, 2014 · Amount on File |
| Deed Document Number | 202429244 |
| Deed Book / Page | 9025 / 677 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 2604 WHITE PINES CT, MONROE, NC 28112-7780 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC OH |
| Name | Verified Name |
|---|---|
| Address | 2604 WHITE PINES CT, MONROE, NC 28112-7780 |
| Document Number | 0008883733 |
|---|---|
| Date | Apr 10, 2024 |
| Book Page | 8883/733 |
| Instrument | 7918 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 11, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 6, 2024 |
| Property Address | 2604 WHITE PINES CT, MONROE, NC 28112-7780 |
| Document Number | 0009025677 |
| Book / Page | 9025 / 677 |
| Map Reference | CAB J FILES 774&775 |
| Instrument Date | Dec 6, 2024 |
| Instrument | 29244 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2600 GLYNCASTLE WAY, GASTONIA, NC 28056-7529 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2604 WHITE PINES CT, MONROE, NC 28112-7780 |
| Document Number | 0000029245 |
|---|---|
| Date | Dec 6, 2024 |
| Instrument | 29245 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2055 |
The 2025 property tax bill for 2604 White Pines Ct was $2,014.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $418,300 (-) Land $95,500 Building $322,800 | $418,300 (-) Land $95,500 Building $322,800 | |
| 2025 | $2,014.00 | $418,300 Land $95,500 Building $322,800 | $418,300 Land $95,500 Building $322,800 |
| 2023 | $1,792.00 | $282,600 Land $67,500 Building $215,100 | $282,600 Land $67,500 Building $215,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2604 White Pines Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2020 · other causes |
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 risk around 2604 White Pines 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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