2709 Lathan Rd, Monroe, NC 28112 Property Records

Union County property record for 2709 Lathan Rd, Monroe, NC 28112

Property Summary

Property Type	Other Improved
Details	built 2024
Lot Size	2.63 acres (114,563 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Sep 2024)
Tax Bill	$2,811 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-285-013S`

Property Details

APN / Parcel Number

Primary APN	`04-285-013S`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,752 sqft Living Area
1st Floor Area	1,638 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Lot Area	114,563 sqft (2.63 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2709 LATHAN RD
City	MONROE
State	NC
Zip	28112-8027
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RA-40 UNIO
Legal Description	#15 LATHAN'S POND OPCH374
Legal Subdivision	LATHANS POND
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	3
Census Block	3003
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	2 Individual Names on Record
Mailing Address	2709 LATHAN RD, MONROE, NC 28112-8027
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 18, 2024	Deed of Trust, Mortgage · Commercial Mortgage BUFFALO CREEK INVESTMENTS INC
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 20, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 29, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage BUFFALO CREEK INVESTMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2024 · Amount on Record
Deed Sale	Sep 20, 2024 · Amount on Record
Prior Sale	Nov 29, 2023 · Amount on Record
Deed Document Number	202422511
Deed Book / Page	8978 / 649
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2709 LATHAN RD, MONROE, NC 28112-8027
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009191854
Date	Sep 3, 2025
Book Page	9191/854
Instrument	22684

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2709 LATHAN RD, MONROE, NC 28112-8027
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 373, WAXHAW, NC 28173-1045
Investor	Possibly a Property Investor

Mortgage

Document Number	0008841118
Date	Jan 18, 2024
Book Page	8841/118
Instrument	1123

Lender

Name	BUFFALO CREEK INVESTMENTS INC
Type	Non-Lending Institution
Address	MARSHVILLE, NC 28103

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 17, 2025

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2709 LATHAN RD, MONROE, NC 28112-8027
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000926521
Date	Dec 12, 2025
Book Page	9265/21
Instrument	32952

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 31, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 20, 2024
Property Address	2709 LATHAN RD, MONROE, NC 28112-8027
Document Number	0008978649
Book / Page	8978 / 649
Map Reference	CAB H FILE 374&375
Instrument Date	Sep 20, 2024
Instrument	22511
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 373, WAXHAW, NC 28173-1045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2709 LATHAN RD, MONROE, NC 28112-8027

Mortgage

Document Number	0000022512
Date	Sep 20, 2024
Instrument	22512

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 29, 2023
Property Address	2709 LATHAN RD, MONROE, NC 28112-8027
Document Number	0008819180
Book / Page	8819 / 180
Map Reference	CAB H FILE 374&375
Instrument Date	Nov 28, 2023
Instrument	28591
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1411 LOVE RD, MONROE, NC 28110-7801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 373, WAXHAW, NC 28173-1045
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028592
Date	Nov 29, 2023
Instrument	28592

Lender

Name	BUFFALO CREEK INVESTMENTS INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 29, 2024

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		$610,100 (-) Land $90,000 Building $520,100	$610,100 (-) Land $90,000 Building $520,100
2025	$2,811.00 (+481.99%)	$610,100 (+684.19%) Land $90,000 Building $520,100	$610,100 (+684.19%) Land $90,000 Building $520,100
2023	$483.00	$77,800 Land $77,800	$77,800 Land $77,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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