2038 Oakstone Dr, Monroe, NC 28110 Property Records

Union County property record for 2038 Oakstone Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,460 sqft · built 2005
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Sep 2022)
Tax Bill	$1,743 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-027-488`

Property Details

APN / Parcel Number

Primary APN	`07-027-488`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,460 sqft Living Area
1st Floor Area	660 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	10 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2038 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	#86 OAKSTONE MP2 OPCI692
Legal Subdivision	OAKSTONE
Legal Lot Number	86
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2038 OAKSTONE DR, MONROE, NC 28110-9186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
May 28, 2020	Warranty Deed, Transfer · Conventional Mortgage WOLFE FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2022 · Amount on Record
Deed Sale	Sep 26, 2022 · Amount on Record
Prior Sale	May 28, 2020 · Amount on Record
Deed Document Number	202233447
Deed Book / Page	8578 / 36
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 26, 2022
Property Address	2038 OAKSTONE DR, MONROE, NC 28110-9186
Document Number	0000857836
Book / Page	8578 / 36
Map Reference	CAB I FILE 692
Instrument Date	Sep 22, 2022
Instrument	33447
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4104 SECREST SHORTCUT RD, 4104, MONROE, NC 28110-9253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 OAKSTONE DR, MONROE, NC 28110-9186

Mortgage

Document Number	0000033448
Date	Sep 26, 2022
Instrument	33448

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 28, 2020
Property Address	2038 OAKSTONE DR, MONROE, NC 28110-9186
Document Number	0007682723
Book / Page	7682 / 723
Map Reference	CAB 1 FILE 692
Instrument Date	May 28, 2020
Instrument	18562
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 OAKSTONE DR, MONROE, NC 28110-9186

Mortgage

Document Number	0000018563
Date	May 28, 2020
Instrument	18563

Lender

Name	WOLFE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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		$258,900 (-) Land $55,000 Building $203,900	$258,900 (-) Land $55,000 Building $203,900
2025	$1,743.00 (+19.38%)	$258,900 (+51.76%) Land $55,000 Building $203,900	$258,900 (+51.76%) Land $55,000 Building $203,900
2023	$1,460.00	$170,600 Land $34,200 Building $136,400	$170,600 Land $34,200 Building $136,400

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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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