Union County property record for 116 Pine Lake Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,289 sqft · built 2006 |
| Lot Size | 0.203 acres (8,843 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,768 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Sep 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-397-112 |
| Primary APN | 09-397-112 |
|---|
| 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 | 8,843 sqft (0.203 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 116 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 | #7 PONDSIDE PH1 MP2 OPCJ210/OPCJ655 |
| Legal Subdivision | PONDSIDE AKA VILLAS SUN VALLEY |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 20307 |
116 Pine Lake Dr, a rural home, is owned and occupied by two individuals who acquired it in February 2021.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| 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.
| Date | Document |
|---|---|
| Jul 14, 2022 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Sep 27, 2021 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Nov 24, 2020 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Feb 5, 2021 | Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jun 14, 2019 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Aug 3, 2018 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2021 |
| Deed Sale | Feb 5, 2021 |
| Prior Sale | Feb 26, 2007 · Amount on File |
| Deed Document Number | 20215530 |
| Deed Book / Page | 7979 / 701 |
| Prior Transfer Date | Feb 4, 2021 |
| Prior Transfer Doc | 7979701 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0008524654 |
|---|---|
| Date | Jul 14, 2022 |
| Book Page | 8524/654 |
| Instrument | 25054 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2021 |
| Title Company | NETCO |
| Name | Verified Name |
|---|
| Document Number | 8256364 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 8256/364 |
| Instrument | 45680 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 789948 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 7899/48 |
| Instrument | 48983 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 5, 2021 |
| Property Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 0007979701 |
| Book / Page | 7979 / 701 |
| Map Reference | CAB J FILE 655 |
| Instrument Date | Feb 4, 2021 |
| Instrument | 5530 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 0000005531 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 5531 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 739557 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2019 |
| Title Company | MADISON SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Address | 116 PINE LAKE DR MONROE NC 281108151, MONROE, NC 28110-8151 |
| Document Number | 739557 |
|---|---|
| Date | Jun 18, 2019 |
| Book Page | 007395/000057 |
| Instrument | 16989 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 116 PINE LAKE DR, MONROE, NC 28110-8151 |
| Document Number | 721172 |
| Instrument Date | Aug 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 116 PINE LAKE DR MONROE NC 281108151, MONROE, NC 28110-8151 |
| Document Number | 721172 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 007211/000072 |
| Instrument | 22025 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 5, 2048 |
The 2025 property tax bill for 116 Pine Lake Dr was $2,768.
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 | $459,300 (-) Land $84,100 Building $375,200 | $459,300 (-) Land $84,100 Building $375,200 | |
| 2025 | $2,768.00 | $459,300 Land $84,100 Building $375,200 | $459,300 Land $84,100 Building $375,200 |
| 2023 | $2,114.00 | $294,800 Land $53,000 Building $241,800 | $294,800 Land $53,000 Building $241,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 Pine Lake Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.
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.
Wildfire risk around 116 Pine Lake Dr is low, with a 0.01% annual chance of 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 | 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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