Union County property record for 115 Pine Lake Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,289 sqft · built 2006 |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Nov 2025) |
| Tax Bill | $3,038 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Nov 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-397-114 |
| Primary APN | 09-397-114 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,289 sqft Living Area |
| 1st Floor Area | 2,289 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,189 sqft (0.188 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 115 PINE LAKE DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-5 INDIA |
| Legal Description | #95 PONDSIDE PH1 MP2 OPCJ210 |
| Legal Subdivision | PONDSIDE AKA VILLAS SUN VALLEY |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 20307 |
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 | 115 PINE LAKE DR, MONROE, NC 28110-8151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Nov 26, 2025 | Beneficiary Deed, Transfer |
| Jan 16, 2018 | Warranty Deed, Transfer TRYON TITLE INSURANCE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2025 · Amount on Record |
| Deed Sale | Nov 26, 2025 · Amount on Record |
| Prior Sale | Jan 16, 2018 · Amount on Record |
| Deed Document Number | 202531512 |
| Deed Book / Page | 9255 / 593 |
| Prior Transfer Date | Nov 24, 2025 |
| Prior Transfer Doc | 0009255587 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Nov 26, 2025 |
| Property Address | 115 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 0009255593 |
| Book / Page | 9255 / 593 |
| Map Reference | CAB J FILE 210 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 31512 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 0000031513 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 31513 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Nov 26, 2025 |
| Property Address | 115 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 0009255587 |
| Book / Page | 9255 / 587 |
| Map Reference | CAN J FILE 210 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 31511 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2410 DEVON DR, MONROE, NC 28110-8619 |
| Name | Verified Name |
|---|---|
| Address | 115 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jan 16, 2018 |
| Property Address | 115 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 7087872 |
| Book / Page | 007087 / 000872 |
| Instrument Date | Jan 16, 2018 |
| Instrument | 1248 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2018 |
| Title Company | TRYON TITLE INSURANCE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $491.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 115 PINE LAKE DR MONROE NC 281108151, MONROE, NC 28110-8151 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $455,500 (-) Land $84,100 Building $371,400 | $455,500 (-) Land $84,100 Building $371,400 | |
| 2025 | $3,038.00 (+23.3%) | $455,500 (+55.89%) Land $84,100 Building $371,400 | $455,500 (+55.89%) Land $84,100 Building $371,400 |
| 2023 | $2,464.00 | $292,200 Land $53,000 Building $239,200 | $292,200 Land $53,000 Building $239,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 3 (2016–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 2017 |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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