Union County property record for 221 Pine Lake Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 2,617 sqft · built 2007 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $285,500 (Aug 2007) |
| Tax Bill | $3,381 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-397-162 |
| Primary APN | 09-397-162 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,617 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 141 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 221 PINE LAKE DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-5 INDIA |
| Legal Description | #83 PONDSIDE PH1 MP4 OPCJ212 |
| Legal Subdivision | PONDSIDE AKA VILLAS SUN VALLEY |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 20307 |
Source: Union County assessment roll, as of March 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 221 PINE LAKE DR, MONROE, NC 28110-8150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Mar 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2007 · Amount on Record |
| Deed Sale | Aug 17, 2007 · Amount on Record |
| Prior Sale | May 25, 2007 · Amount on Record |
| Deed Document Number | 200737169 |
| Deed Book / Page | 4659 / 538 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 221 PINE LAKE DR, MONROE, NC 28110-8150 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0008350393 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 8350/393 |
| Instrument | 59655 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 3, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 221 PINE LAKE DR, MONROE, NC 28110-8150 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000827565 |
|---|---|
| Date | Oct 11, 2021 |
| Book Page | 8275/65 |
| Instrument | 48459 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 221 PINE LAKE DR, MONROE, NC 28110-8150 |
| Document Number | 7614682 |
| Instrument Date | Mar 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 221 PINE LAKE DR MONROE NC 281108150, MONROE, NC 28110-8150 |
| Document Number | 7614682 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 007614/000682 |
| Instrument | 9381 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 19, 2035 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,381.00 (+29.19%) | $507,600 (+63.37%) Land $84,100 Building $423,500 | $507,600 (+63.37%) Land $84,100 Building $423,500 |
| 2023 | $2,617.00 | $310,700 Land $42,400 Building $268,300 | $310,700 Land $42,400 Building $268,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 3 (2016–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 2017 |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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