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.
Under contract-show
Price cut: $15K (11/5)
$400,000
109 Carter Rd, Monroe, NC 28110
4beds
1,972sqft
Est.:
Single Family Residence
Built in 1962
1.89 Acres Lot
$395,100 Zestimate®
$203/sqft
$-- HOA
What's special
Bonus roomDental crown moldingWooded bufferOriginal wood floorsAll brick homeCleared lotCustom backsplash
- 55 days |
- 630 |
- 39 |
Zillow last checked: 8 hours ago
Listing updated: November 17, 2025 at 09:06am
Listing Provided by:
Robin Mann robin@soldinthecarolinas.com,
EXP Realty LLC Mooresville
Source: Canopy MLS as distributed by MLS GRID,MLS#: 4312358
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 4
Primary bedroom
- Level: Main
Bedroom s
- Level: Main
Bathroom full
- Level: Main
Bathroom full
- Level: Main
Dining room
- Level: Main
Family room
- Level: Main
Kitchen
- Level: Main
Laundry
- Level: Main
Play room
- Level: Main
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher
- Laundry: Laundry Room, Main Level
Features
- Pantry
- Flooring: Tile, Vinyl, Wood
- Has basement: No
- Attic: Pull Down Stairs
- Fireplace features: Bonus Room, Family Room, Wood Burning, Wood Burning Stove
Interior area
- Total structure area: 1,972
- Total interior livable area: 1,972 sqft
- Finished area above ground: 1,972
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 1
- Parking features: Driveway, Detached Garage, Parking Space(s), Garage on Main Level
- Garage spaces: 1
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck, Front Porch
- Fencing: Back Yard,Partial
Lot
- Size: 1.89 Acres
- Features: Cleared, Level, Private, Wooded
Details
- Parcel number: 09405027
- Zoning: AG9
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Brick Full
- Foundation: Crawl Space, Slab
- Roof: Metal
Condition
- New construction: No
- Year built: 1962
Utilities & green energy
- Sewer: Septic Installed
- Water: Well
Community & HOA
Community
- Subdivision: None
Location
- Region: Monroe
Financial & listing details
- Price per square foot: $203/sqft
- Tax assessed value: $320,300
- Annual tax amount: $1,550
- Date on market: 10/17/2025
- Cumulative days on market: 129 days
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Road surface type: Gravel, Paved
Estimated market value
$395,100
$375,000 - $415,000
$2,011/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/5/2025 | Price change | $400,000-3.6%$203/sqft |
Source: | ||
| 10/24/2025 | Price change | $415,000-2.4%$210/sqft |
Source: | ||
| 10/17/2025 | Listed for sale | $425,000$216/sqft |
Source: | ||
| 10/12/2025 | Listing removed | $425,000$216/sqft |
Source: | ||
| 9/17/2025 | Price change | $425,000-4.5%$216/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,550 +11% | $320,300 +49.6% |
| 2024 | $1,396 +1.8% | $214,100 |
| 2023 | $1,371 +2.9% | $214,100 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$2,252/mo
Principal & interest
$1925
Property taxes
$187
Home insurance
$140
Climate risks
Neighborhood: 28110
Nearby schools
GreatSchools rating
- 6/10Rocky River ElementaryGrades: PK-5Distance: 1.3 mi
- 3/10Sun Valley Middle SchoolGrades: 6-8Distance: 3.5 mi
- 5/10Sun Valley High SchoolGrades: 9-12Distance: 3.7 mi
Schools provided by the listing agent
- Elementary: Rocky River
- Middle: Sun Valley
- High: Sun Valley
Source: Canopy MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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