Union County property record for 203 Laurel Oak Ln, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,750 sqft · built 1987 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $129,000 (Apr 1997) |
| Tax Bill | $1,864 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Mar 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-348-245 |
| Primary APN | 09-348-245 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,750 sqft Living Area |
| Gross Area | 2,233 sqft |
| 1st Floor Area | 825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Cape Cod |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 28,750 sqft (0.66 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 203 LAUREL OAK LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 UNION |
| Legal Description | #24 & P/#22 SEVEN OAKS OPCB236A |
| Legal Subdivision | SEVEN OAKS |
| Legal Lot Number | 24 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 20403 |
203 Laurel Oak Ln, a rural home, is owned and occupied by two individuals who acquired it in July 2000.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 203 LAUREL OAK LN, MONROE, NC 28110-9619 |
| 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 |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Mar 4, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| May 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| May 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 1997 · Amount on File |
| Deed Sale | Apr 25, 1997 · Amount on File |
| Deed Book / Page | 964 / 288 |
| Last Transfer Date | Jul 31, 2000 |
| Transfer Doc | 0000021832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 203 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | ROCKET CLOSE |
| Name | Verified Name |
|---|
| Document Number | 0000093289 |
|---|---|
| Date | Mar 18, 2026 |
| Book Page | 9328/9 |
| Instrument | 6996 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 203 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0008863211 |
|---|---|
| Date | Mar 4, 2024 |
| Book Page | 8863/211 |
| Instrument | 4671 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 203 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Document Number | 7669389 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 203 LAUREL OAK LN MONROE NC 281109619, MONROE, NC 28110-9619 |
| Document Number | 7669389 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 007669/000389 |
| Instrument | 16757 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 14, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 203 LAUREL OAK LN, MONROE, NC 28110-9619 |
| Document Number | 7151500 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 203 LAUREL OAK LN MONROE NC 281109619, MONROE, NC 28110-9619 |
| Document Number | 7151500 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 007151/000500 |
| Instrument | 12124 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 6, 2048 |
The 2025 property tax bill for 203 Laurel Oak Ln was $1,864.
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 | $385,400 (-) Land $72,500 Building $312,900 | $385,400 (-) Land $72,500 Building $312,900 | |
| 2025 | $1,864.00 | $385,400 Land $72,500 Building $312,900 | $385,400 Land $72,500 Building $312,900 |
| 2023 | $1,356.00 | $211,900 Land $43,800 Building $168,100 | $211,900 Land $43,800 Building $168,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 203 Laurel Oak Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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.
Wildfire risk around 203 Laurel Oak Ln is low, with a 0.02% 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 | 0.02% 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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