Union County property record for 202 Laurel Oak Ln, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,046 sqft · built 1988 |
| Lot Size | 1.51 acres (65,776 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Mar 2020) |
| Tax Bill | $2,074 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-348-243 |
| Primary APN | 09-348-243 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,046 sqft Living Area |
| Gross Area | 2,574 sqft |
| 1st Floor Area | 967 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 65,776 sqft (1.51 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 202 LAUREL OAK LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 UNION |
| Legal Description | #26 SEVEN OAKS OPCB241 & OPCB263A |
| Legal Subdivision | SEVEN OAKS |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 20403 |
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 | 202 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Jan 23, 2018 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Mar 30, 2020 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2020 · Amount on Record |
| Deed Sale | Mar 30, 2020 · Amount on Record |
| Prior Sale | Mar 22, 1996 · Amount on Record |
| Deed Document Number | 202010581 |
| Deed Book / Page | 7623 / 129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 202 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LENDER RECORDING SERVICE |
| Name | Verified Name |
|---|
| Document Number | 6872511 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 6872/511 |
| Instrument | 0003419 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 202 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7091546 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 7091/546 |
| Instrument | 0001855 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Mar 30, 2020 |
| Property Address | 202 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Document Number | 7623129 |
| Book / Page | 007623 / 000129 |
| Instrument Date | Mar 26, 2020 |
| Instrument | 10581 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 202 LAUREL OAK LN MONROE NC 281109619, MONROE, NC 28110-9619 |
| Document Number | 7623136 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 007623/000136 |
| Instrument | 10582 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 29, 2050 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $428,700 (-) Land $88,300 Building $340,400 | $428,700 (-) Land $88,300 Building $340,400 | |
| 2025 | $2,074.00 (+37.9%) | $428,700 (+82.43%) Land $88,300 Building $340,400 | $428,700 (+82.43%) Land $88,300 Building $340,400 |
| 2023 | $1,504.00 | $235,000 Land $54,300 Building $180,700 | $235,000 Land $54,300 Building $180,700 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 47 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 |
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