Union County property record for 225 Pine Lake Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 2,428 sqft · built 2006 |
| Lot Size | 0.267 acres (11,631 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $306,000 (Dec 2020) |
| Tax Bill | $3,126 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-397-160 |
| Primary APN | 09-397-160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,428 sqft Living Area |
| 1st Floor Area | 2,428 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Hip |
| Lot Area | 11,631 sqft (0.267 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 225 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 | #81 PONDSIDE VILLAS OF SUN VALLEY 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 |
225 Pine Lake Dr, a rural home, is owned and occupied by two individuals who bought it in December 2020.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 225 PINE LAKE DR, MONROE, NC 28110-8150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 14, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Dec 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2020 · Amount on File |
| Deed Sale | Dec 2, 2020 · Amount on File |
| Prior Sale | Aug 9, 2006 · Amount on File |
| Deed Document Number | 202050092 |
| Deed Book / Page | 7907 / 218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 225 PINE LAKE DR, MONROE, NC 28110-8150 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 225 PINE LAKE DR, MONROE, NC 28110-8150 |
| Document Number | 0008453108 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 8453/108 |
| Instrument | 13834 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 23, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 2, 2020 |
| Property Address | 225 PINE LAKE DR, MONROE, NC 28110-8150 |
| Document Number | 0007907218 |
| Book / Page | 7907 / 218 |
| Map Reference | CAB J FILE 212 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 50092 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $612.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2800 ANZA ST, 2800, MELBOURNE, FL 32940-2827 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 225 PINE LAKE DR, MONROE, NC 28110-8150 |
| Document Number | 0000050093 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 50093 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 225 Pine Lake Dr was $3,126.
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 |
|---|---|---|---|
| 2026 | $469,000 (-) Land $84,100 Building $384,900 | $469,000 (-) Land $84,100 Building $384,900 | |
| 2025 | $3,126.00 | $469,000 Land $84,100 Building $384,900 | $469,000 Land $84,100 Building $384,900 |
| 2023 | $2,533.00 | $300,600 Land $53,000 Building $247,600 | $300,600 Land $53,000 Building $247,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 Pine Lake Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.
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.
Wildfire risk around 225 Pine Lake Dr 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 | 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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