2909 Early Mist Ct, Monroe, NC 28110 Property Records

Union County property record for 2909 Early Mist Ct, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 1999
Lot Size	0.249 acres (10,846 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Jan 2017)
Tax Bill	$2,885 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-363-063`

Property Details

APN / Parcel Number

Primary APN	`09-363-063`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	1,839 sqft
1st Floor Area	693 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,846 sqft (0.249 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	388 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2909 EARLY MIST CT
City	MONROE
State	NC
Zip	28110-5626
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#37 BREKONRIDGE PH 1 OPCF027
Legal Subdivision	BREKONRIDGE
Legal Lot Number	37
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3007
Census Tract	20321

Owner

2909 Early Mist Ct, a rural home, is owned and occupied by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2909 EARLY MIST CT, MONROE, NC 28110-5626
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Oct 24, 2019	Deed of Trust, Mortgage · Conventional with PMI SUPREME LNDG
Dec 4, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Jan 18, 2017	Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2017 · Amount on File
Deed Sale	Jan 18, 2017 · Amount on File
Prior Sale	Aug 3, 2011
Deed Document Number	20171442
Deed Book / Page	6861 / 109
Prior Transfer Date	Dec 23, 2010
Prior Transfer Doc	5466197
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2909 EARLY MIST CT, MONROE, NC 28110-5626
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008358298
Date	Dec 28, 2021
Book Page	8358/298
Instrument	60777

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2909 EARLY MIST CT, MONROE, NC 28110-5626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7807291
Date	Sep 14, 2020
Book Page	7807/291
Instrument	36214

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	72254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2909 EARLY MIST CT, MONROE, NC 28110-5626
Document Number	7502224
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 EARLY MIST CT MONROE NC 281105626, MONROE, NC 28110-5626

Mortgage

Document Number	7502224
Date	Oct 29, 2019
Book Page	007502/000224
Instrument	33377

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2909 EARLY MIST CT, MONROE, NC 28110-5626
Document Number	7067775
Book / Page	007067 / 000775
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 EARLY MIST CT MONROE NC 281105626, MONROE, NC 28110-5626

Mortgage

Document Number	7067775
Date	Dec 8, 2017
Book Page	007067/000775
Instrument	35971

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 18, 2017
Property Address	2909 EARLY MIST CT, MONROE, NC 28110-5626
Document Number	0006861109
Book / Page	6861 / 109
Map Reference	CAB F FILES 27&28
Instrument Date	Jan 17, 2017
Instrument	0001442
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5111 HAMPTON MEADOWS RD, 5111, MONROE, NC 28110-9352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 EARLY MIST CT, MONROE, NC 28110-5626

Mortgage

Document Number	0000001443
Date	Jan 18, 2017
Instrument	0001443

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2909 Early Mist Ct was $2,885.

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$330,100 (-) Land $66,000 Building $264,100	$330,100 (-) Land $66,000 Building $264,100
2025	$2,885.00	$330,100 Land $66,000 Building $264,100	$330,100 Land $66,000 Building $264,100
2023	$2,366.00	$217,000 Land $40,100 Building $176,900	$217,000 Land $40,100 Building $176,900

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

Flood

FEMA maps place 2909 Early Mist Ct in Zone X, an area of minimal flood risk.

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

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

No wildfire likelihood is modeled around 2909 Early Mist Ct, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no wildfire likelihood modeled here

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	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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