$383,500
SOLD DEC 16, 2025

109 Carter Rd Monroe, NC 28110

4 Beds
2 Baths
1,972 Sq Ft
1.89 Acres

Recently Sold

$194 Per Sq Ft

10% Below List Price

30 Days on Market

Highlights

  • Deck
  • Wood Burning Stove
  • Wooded Lot
  • Rocky River Elementary School Rated A-
  • Private Lot
  • Wood Flooring

About This Home

As of December 2025

Yowza!
Welcome home to 109 Carter rd. An all brick home with a wooded buffer on one side, a fenced back yard AND a cleared lot on the other side of the home (perfect for an extra large garage, workshop, shed, kickball- go ahead dream it)! No HOA and almost 2 acres minutes from numerous conveniences. USDA eligible. Indian Trail schools. Enter the home and be greeted by a light filled, expansive family room with dental crown molding, fresh paint and a wood burning stove. This room flows to the kitchen with custom backsplash & an ideal sized dining area again both rooms basking in natural light. The dining room gives access to the backyard (we will get there in a minute) and an extra large pantry/storage/laundry room which conveniently also has access to the fenced backyard.
One of the favorite spaces in the home is the bonus room with a gorgeous brick hearth & fireplace. This room has served many purposes: primary bedroom, play room, office, extra den. The walls on either side of the fireplace could be opened up to the current primary bedroom & you have a phenomenal primary suite opportunity. Add the closet & bathroom of your dreams and wow! (you would want to remove the one bathroom in the original primary bathroom to make it compliant with current septic permit or maybe leave it and enlarge your septic-please research if this option is desirable)
The 3 bedrooms are nice in size and lend to many uses. One bedroom (the original primary) has it's own bathroom. The other 2 bedrooms share the hall bathroom. Ok, now to the yard and land! Off the dining room you step onto a 20x22 deck with gates. Perfect for privacy, entertaining and gazing over your fenced back yard. To the right of the fenced yard is a ginormous cleared lot with a wood buffer. It could handle a non conventional septic or as stated above, create your dreams! To the left of the enclosed yard is a beautiful wooded area complete with dry bed stream & plenty of spots for your nature, wood loving self/kids/family/friends. Do not miss the storage shed out back AND the detached oversized 1 car garage out front and did you see the front steps? precious!
As you can tell from this write up, this home is ready for your loving and living! Please see the seller love letter in attachments. A few items of note: NO HOA, no popcorn (that's for movies)ceilings, original wood floors in many parts of home, large attic, Summer 2025 seller preemptive repairs: Foundation repair work with sistered joints, Support posts added under all drop girders, Replaced main drop girder, Two additional drop girders added, New hvac ductwork replaced, Crawlspace insulation added, 6mil vapor barrier installed, Additional crawlspace door added, New LVP flooring, Popcorn ceilings removed, Fresh paint throughout home, New custom tile backsplash added in kitchen, Freshly painted kitchen cabinetry, New vanities and toilets installed in both bathrooms, New metal roof!! 20 x 22 new deck – Summer 2022 All foundation repair work was signed off on by Post Oak Engineering and Union County inspector HVAC ductwork was also inspected and signed off on by Union County inspector So a better than new home! You have land AND an amazing, well cared for brick ranch. See you soon.

Last Agent to Sell the Property

Robin Mann

EXP Realty LLC Mooresville Brokerage Email: robin@soldinthecarolinas.com License #284187 Listed on: 10/17/2025

EXP Realty LLC Mooresville

Last Buyer's Agent

Galina Iancu

EXP Realty LLC Ballantyne License #293972

EXP Realty LLC Ballantyne

Home Details

Home Type

  • Single Family

Year Built

  • Built in 1962

Lot Details

  • Back Yard Fenced
  • Private Lot
  • Level Lot
  • Cleared Lot
  • Wooded Lot
  • Property is zoned AG9

Parking

  • 1 Car Detached Garage
  • Driveway

Home Design

  • Slab Foundation
  • Metal Roof
  • Four Sided Brick Exterior Elevation

Interior Spaces

  • 1,972 Sq Ft Home
  • 1-Story Property
  • Crown Molding
  • Wood Burning Stove
  • Wood Burning Fireplace
  • Family Room with Fireplace
  • Bonus Room with Fireplace
  • Crawl Space
  • Pull Down Stairs to Attic
  • Dishwasher
  • Laundry Room

Flooring

  • Wood
  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 4 Main Level Bedrooms
  • 2 Full Bathrooms

Outdoor Features

  • Deck
  • Front Porch

Schools

  • Rocky River Elementary School
  • Sun Valley Middle School
  • Sun Valley High School

Utilities

  • Central Heating and Cooling System
  • Septic Tank

Community Details

  • No Home Owners Association

Listing and Financial Details

  • Assessor Parcel Number 09-405-027

Home Details

Home Type

Single Family

Year Built

Built in 1962

Lot Details

0

Parking

1

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 1962
  • Road Surface Type: Gravel, Paved
  • Unit Levels: One
  • Ratio CurrentPrice/TotalPropertyHLA: 194.47
  • Bedroom Lower: 0
  • Geocode Confidence: High
  • Attribution Contact: robin@soldinthecarolinas.com
  • Special Features: VirtualTour

Interior Features

  • Foundation Details: Crawl Space, Slab
  • Fireplace: Yes
  • Flooring: Tile, Vinyl, Wood
  • Interior Amenities: Attic Stairs Pulldown, Pantry
  • Lower Level Sq Ft: 0
  • Main Level Sq Ft: 1972
  • Third Level Sq Ft: 0
  • Sq Ft Unheated Basement: 0
  • Sq Ft Unheated Lower: 0
  • Sq Ft Unheated Main: 0
  • Sq Ft Unheated Third: 0
  • Sq Ft Unheated Total: 0
  • Sq Ft Unheated Upper: 0
  • Sq Ft Upper: 0
  • Appliances: Dishwasher
  • Above Grade Finished Sq Ft: 1972
  • Basement YN: No
  • Full Bathrooms: 2
  • Total Bedrooms: 4
  • Fireplace Features: Bonus Room, Family Room, Wood Burning, Wood Burning Stove
  • Living Area: 1972
  • Bedroom Main: 4
  • Bedroom Basement: 0
  • Bedroom Third: 0

Exterior Features

  • New Construction: No
  • Roof: Metal
  • Construction Type: Site Built
  • Fencing: Back Yard, Partial
  • Construction Type: Brick Full
  • Patio And Porch Features: Deck, Front Porch

Garage/Parking

  • Main Level Garage YN: 1
  • Carport Y N: No
  • Garage Spaces: 1
  • Garage Yn: Yes
  • Open Parking: No
  • Parking Features: Driveway, Detached Garage, Parking Space(s)

Utilities

  • Heating: Central
  • Sewer: Septic Installed
  • Laundry Features: Laundry Room, Main Level
  • Cooling: Central Air
  • Water Source: Well

Condo/Co-op/Association

  • Hoa Subject To Dues: No
  • Senior Community: No
  • Association: No

Schools

  • Middle Or Junior School: Sun Valley
  • HOA Subject To: None

Lot Info

  • Lot Features: Cleared, Level, Private, Wooded
  • Lot Size Units: Acres
  • Parcel Number: 09-405-027
  • Zoning: AG9
  • Additional Parcels: No
  • Zoning Specification: AG9

MLS Schools

  • Elementary School: Rocky River
  • High School: Sun Valley

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 17, 2025
Closed on
Dec 12, 2025
Sold by
Horne Ronnie Gene and Horne Carlene
Bought by
Raducan Ion and Raducan Marina
Seller's Agent
Robin Mann
EXP Realty LLC Mooresville
Buyer's Agent
Galina Iancu
EXP Realty LLC Ballantyne
List Price
$425,000
Sold Price
$383,500
Premium/Discount to List
-$41,500
-9.76%
Views
197

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
203.66%
Original Mortgage
$306,800
Outstanding Balance
$306,800
Interest Rate
6.17%
Mortgage Type
New Conventional
Estimated Equity
$94,123

Purchase Details

Closed on
Aug 16, 2013
Sold by
Cook Hazel F and Sherrin Sherrie C
Bought by
Horne Ronnie Gene and Horne Carlene

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$114,000
Interest Rate
4.39%
Mortgage Type
New Conventional
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $383,500 Tryon Title
Warranty Deed $120,000 None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $306,800 New Conventional
Previous Owner $114,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
12/16/2025 12/16/25 Sold $383,500 -4.1% $194 / Sq Ft
11/05/2025 11/05/25 Price Changed $400,000 -3.6% $203 / Sq Ft
10/24/2025 10/24/25 Price Changed $415,000 -2.4% $210 / Sq Ft
10/17/2025 10/17/25 For Sale $425,000 -- $216 / Sq Ft
Source: Canopy MLS (Canopy Realtor® Association)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $1,550 $320,300 $0 $0
2024 $1,396 $214,100 $43,200 $170,900
2023 $1,371 $214,100 $43,200 $170,900
2022 $1,332 $214,100 $43,200 $170,900
2021 $1,331 $214,100 $43,200 $170,900
2020 $1,018 $129,820 $20,220 $109,600
2019 $1,049 $129,820 $20,220 $109,600
2018 $1,049 $129,820 $20,220 $109,600
2017 $1,114 $129,800 $20,200 $109,600
2016 $1,082 $129,820 $20,220 $109,600
2015 $1,094 $129,820 $20,220 $109,600
2014 $458 $118,240 $29,600 $88,640
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Canopy MLS (Canopy Realtor® Association)

MLS Number: 4312358

Canopy MLS (Canopy Realtor® Association)

APN: 09-405-027