2034 Oakstone Dr, Monroe, NC 28110 Property Records

Union County property record for 2034 Oakstone Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,432 sqft · built 2005
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$169,500 (Mar 2019)
Tax Bill	$1,735 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-027-486`

Property Details

APN / Parcel Number

Primary APN	`07-027-486`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,432 sqft Living Area
1st Floor Area	632 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Type	Gable
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2034 OAKSTONE DR
City	MONROE
State	NC
Zip	28110-9186
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-3 INDIA
Legal Description	#84 OAKSTONE MP2 OPCI692
Legal Subdivision	OAKSTONE
Legal Lot Number	84
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	3
Census Block	3024
Census Tract	20321

Owner

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	Individual Name on Record
Mailing Address	2034 OAKSTONE DR, MONROE, NC 28110-9186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Mar 14, 2019	Warranty Deed, Transfer · Conventional with PMI SHELTER HM MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2019 · Amount on Record
Deed Sale	Mar 14, 2019 · Amount on Record
Prior Sale	Jul 11, 2006 · Amount on Record
Deed Document Number	20196390
Deed Book / Page	7329 / 617
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 12, 2022
Property Address	2034 OAKSTONE DR, MONROE, NC 28110-9186
Document Number	0008568691
Book / Page	8568 / 691
Map Reference	CAB 1 FILE 692
Instrument Date	Sep 12, 2022
Instrument	31954
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	710 PETERSBURG DR, 710, FORT MILL, SC 29708-5708

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4408 ARDEN FOREST RD, HOLLY SPRINGS, NC 27540-7849

Mortgage

Document Number	0000031955
Date	Sep 12, 2022
Instrument	31955

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2034 OAKSTONE DR, MONROE, NC 28110-9186
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8217867
Date	Aug 25, 2021
Book Page	8217/867
Instrument	40241

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 14, 2019
Property Address	2034 OAKSTONE DR, MONROE, NC 28110-9186
Document Number	7329617
Book / Page	007329 / 000617
Instrument Date	Mar 14, 2019
Instrument	6390
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2034 GAKSTONE DR MONROE NC 28110, MONROE, NC 28110

Mortgage

Document Number	7329620
Date	Mar 14, 2019
Book Page	007329/000620
Instrument	6391

Lender

Name	SHELTER HM MTG LLC
Address	NORCROSS, GA 30093

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2049

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Indian Trail Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$257,600 (-) Land $55,000 Building $202,600	$257,600 (-) Land $55,000 Building $202,600
2025	$1,735.00 (+19.24%)	$257,600 (+51.53%) Land $55,000 Building $202,600	$257,600 (+51.53%) Land $55,000 Building $202,600
2023	$1,455.00	$170,000 Land $34,200 Building $135,800	$170,000 Land $34,200 Building $135,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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