2054 Oakstone Dr, Monroe, NC 28110 Property Records

Union County property record for 2054 Oakstone Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,892 sqft · built 2007
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jun 2022)
Tax Bill	$2,109 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-027-494`

Property Details

APN / Parcel Number

Primary APN	`07-027-494`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,892 sqft Living Area
1st Floor Area	932 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	75 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2054 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	#92 OAKSTONE MP2 OPCK146
Legal Subdivision	OAKSTONE
Legal Lot Number	92
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	2054 OAKSTONE DR, MONROE, NC 28110-9186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Warranty Deed, Transfer NOVA CU
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Prior Sale	Jul 1, 2008 · Amount on Record
Deed Document Number	202220422
Deed Book / Page	8495 / 158
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 6, 2022
Property Address	2054 OAKSTONE DR, MONROE, NC 28110-9186
Document Number	0008495158
Book / Page	8495 / 158
Map Reference	CAB K FILE 146
Instrument Date	Jun 6, 2022
Instrument	20422
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1986 OLDE OXFORD CT, 1986, ROCK HILL, SC 29732-7200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2054 OAKSTONE DR, MONROE, NC 28110-9186

Mortgage

Document Number	0000020423
Date	Jun 6, 2022
Instrument	20423

Lender

Name	NOVA CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2054 OAKSTONE DR, MONROE, NC 28110-9186
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	SIMPLE TITLE AND ESCROW, SILK TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008334664
Date	Dec 6, 2021
Book Page	8334/664
Instrument	57307

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2054 OAKSTONE DR, MONROE, NC 28110-9186
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7762563
Date	Aug 6, 2020
Book Page	7762/563
Instrument	29784

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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		$314,800 (-) Land $55,000 Building $259,800	$314,800 (-) Land $55,000 Building $259,800
2025	$2,109.00 (+22.12%)	$314,800 (+55.15%) Land $55,000 Building $259,800	$314,800 (+55.15%) Land $55,000 Building $259,800
2023	$1,727.00	$202,900 Land $34,200 Building $168,700	$202,900 Land $34,200 Building $168,700

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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