Union County property record for 2205 Carmel Oak Ln, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,558 sqft · built 2003 |
| Lot Size | 0.717 acres (31,233 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Oct 2024) |
| Tax Bill | $4,448 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-286-155 |
| Primary APN | 09-286-155 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,558 sqft Living Area |
| Gross Area | 4,402 sqft |
| 1st Floor Area | 1,360 sqft |
| Basement Area | 1,360 sqft |
| Unfinished Basement | 1,360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 31,233 sqft (0.717 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 220 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2205 CARMEL OAK LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-6500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #35 CARMEL VILLAGE EXPANSION SECI OPCC085 |
| Legal Subdivision | CARMEL VILLAGE |
| Legal Lot Number | 35 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20502 |
2205 Carmel Oak Ln, a rural home, is owned and occupied by two individuals who bought it in October 2024.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2205 CARMEL OAK LN, MONROE, NC 28112-6500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2024 · Amount on File |
| Deed Sale | Oct 17, 2024 · Amount on File |
| Deed Document Number | 202424992 |
| Deed Book / Page | 8996 / 486 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2205 Carmel Oak Ln was $4,448.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $508,900 (-) Land $75,900 Building $433,000 | $508,900 (-) Land $75,900 Building $433,000 | |
| 2025 | $4,448.00 | $508,900 Land $75,900 Building $433,000 | $508,900 Land $75,900 Building $433,000 |
| 2023 | $3,888.00 | $356,600 Land $24,500 Building $332,100 | $356,600 Land $24,500 Building $332,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2205 Carmel Oak Ln in Zone X, an area of minimal flood risk.
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 | 2 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 2205 Carmel Oak Ln is low, with a 0.01% 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 | 0.01% 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 | CITY OF MONROE serves 43,081 people · EPA ID NC0190010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | E. coli resolved · Aug 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Frontier.
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