3904 Garrison Ct, Monroe, NC 28110 Property Records

Union County property record for 3904 Garrison Ct, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2.5 ba · 2,064 sqft · built 2002
Lot Size	0.508 acres (22,128 sqft)
Owner	Individual Name on Record
Last Sale	$207,000 (Jul 2018)
Tax Bill	$3,104 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-336-416`

Property Details

APN / Parcel Number

Primary APN	`09-336-416`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,064 sqft Living Area
Gross Area	2,464 sqft
1st Floor Area	956 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,128 sqft (0.508 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3904 GARRISON CT
City	MONROE
State	NC
Zip	28110-6102
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20SU MON
Legal Description	#88 HAMILTON PLACE PH2 OPCG649-654
Legal Subdivision	HAMILTON PLACE
Legal Lot Number	88
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2001
Census Tract	20401

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	3904 GARRISON CT, MONROE, NC 28110-6102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Jul 5, 2018	Warranty Deed, Transfer BANK OF AMERICA
Jul 6, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2018 · Amount on Record
Deed Sale	Jul 5, 2018 · Amount on Record
Prior Sale	May 2, 2012
Deed Document Number	201818529
Deed Book / Page	7190 / 350
Prior Transfer Date	Jan 13, 2012
Prior Transfer Doc	5666852
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3904 GARRISON CT, MONROE, NC 28110-6102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6913403
Date	Apr 17, 2017
Book Page	6913/403
Instrument	0010350

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 5, 2018
Property Address	3904 GARRISON CT, MONROE, NC 28110-6102
Document Number	7190350
Book / Page	007190 / 000350
Instrument Date	Jul 5, 2018
Instrument	18529
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	CAROLINA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$414.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3904 GARRISON CT MONROE NC 281106102, MONROE, NC 28110-6102

Mortgage

Document Number	7190352
Date	Jul 5, 2018
Book Page	007190/000352
Instrument	18530

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Jul 6, 2018
Property Address	3904 GARRISON CT, MONROE, NC 28110-6102
Document Number	719163
Book / Page	007191 / 000063
Instrument Date	Jul 5, 2018
Instrument	18634
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$414.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$355,100 (-) Land $75,000 Building $280,100	$355,100 (-) Land $75,000 Building $280,100
2025	$3,104.00 (+6.81%)	$355,100 (+33.25%) Land $75,000 Building $280,100	$355,100 (+33.25%) Land $75,000 Building $280,100
2023	$2,906.00	$266,500 Land $47,400 Building $219,100	$266,500 Land $47,400 Building $219,100

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 · 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 (2018)
Most Recent Claim	Sep 2018 · Hurricane Florence

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

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	0.01% 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	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 233 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

Cell Coverage

5G (outdoors only) and 4G LTE

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