Union County property record for 406 Oak Dr, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,792 sqft · built 1989 |
| Lot Size | 4.69 acres (204,296 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,179 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-207-065 |
| Primary APN | 09-207-065 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,792 sqft Living Area |
| Gross Area | 3,968 sqft |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,280 sqft |
| Unfinished Basement | 1,280 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 204,296 sqft (4.69 acres) |
| Garage Type | Attached |
| Garage Area | 896 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 280 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 406 OAK DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-8455 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 UNION |
| Legal Description | #1 LAKE MONROE SECT V 406 OAK DR |
| Legal Subdivision | LAKE MONROE |
| Jurisdiction | UNION NC |
| Township / Civil Division | BUFORD |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 20602 |
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 | 406 OAK DR, MONROE, NC 28112-8455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 406 OAK DR, MONROE, NC 28112-8455 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0008387450 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 8387/450 |
| Instrument | 3864 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 406 OAK DR, MONROE, NC 28112-8455 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 7909278 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 7909/278 |
| Instrument | 50434 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 406 OAK DR, MONROE, NC 28112-8455 |
| Document Number | 7236234 |
| Instrument Date | Sep 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 406 OAK DR MONROE NC 281128455, MONROE, NC 28112-8455 |
| Document Number | 7236234 |
|---|---|
| Date | Sep 18, 2018 |
| Book Page | 007236/000234 |
| Instrument | 26366 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2048 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $432,800 (-) Land $76,800 Building $356,000 | $432,800 (-) Land $76,800 Building $356,000 | |
| 2025 | $1,179.00 (-1.91%) | $432,800 (+24.4%) Land $76,800 Building $356,000 | $432,800 (+24.4%) Land $76,800 Building $356,000 |
| 2023 | $1,202.00 | $347,900 Land $48,500 Building $299,400 | $347,900 Land $48,500 Building $299,400 |
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 | 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.
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 | 0.02% 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: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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