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406 Spring Lake Dr, Monroe, NC 28110 Property Records

Union County property record for 406 Spring Lake Dr, Monroe, NC 28110

Property Summary

Property TypeOther Improved
Detailsbuilt 2022
Lot Size1.01 acres (43,996 sqft)
Owner2 Individual Names on Record
Last Sale$490,000 (Aug 2022)
Tax Bill$2,781 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Oct 2021 Sale
Flood ZoneZone X (minimal risk)
APN08-171-015

Property Details

APN / Parcel Number

Primary APN08-171-015

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,331 sqft Living Area
1st Floor Area994 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Lot Area43,996 sqft (1.01 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address406 SPRING LAKE DR
CityMONROE
StateNC
Zip28110-7712
Property CategoryOther
Property TypeOther > Other Improved
Local Zoning CodeRA-40 UNIO
Legal Description#3 FAIRWAY PARK OPCA116-B
Legal SubdivisionFAIRWAY PARK
Legal Lot Number3
JurisdictionUNION NC
Township / Civil DivisionMONROE
Census Block Group1
Census Block1010
Census Tract20206

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 Record2 Individual Names on Record
Mailing Address406 SPRING LAKE DR, MONROE, NC 28110-7712
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2022Warranty Deed, Transfer · VA Mortgage
GUARANTEED RATE AFFINITY LLC
Oct 7, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 16, 2022 · Amount on Record
Deed SaleAug 16, 2022 · Amount on Record
Prior SaleOct 7, 2021 · Amount on Record
Deed Document Number202228969
Deed Book / Page8549 / 355
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION NC
Recording DateAug 16, 2022
Property Address406 SPRING LAKE DR, MONROE, NC 28110-7712
Document Number0008549355
Book / Page8549 / 355
Map ReferenceCAB A FILE 116-B
Instrument DateJul 25, 2022
Instrument28969
Transaction TypeTransfer
Record UpdatedMar 31, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$980.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3329 EMERALD POINTE CT, MONROE, NC 28110-2301

Mortgage

Document Number0000028970
DateAug 16, 2022
Instrument28970
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION NC
Recording DateOct 7, 2021
Property Address406 SPRING LAKE DR, MONROE, NC 28110-7712
Document Number0008271398
Book / Page8271 / 398
Map ReferenceCAB A FILE 116-B
Instrument DateOct 7, 2021
Instrument47897
Transaction TypeTransfer
Record UpdatedMar 31, 2026

Transaction

AmountAmount Recorded
Tax$110.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5825 NEWELL DR, MONROE, NC 28112-6767

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyUnion County
MunicipalityUnionville Town
Unified School DistrictUnion County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$547,400 (-) Land $68,700 Building $478,700$547,400 (-) Land $68,700 Building $478,700
2025$2,781.00 (+16.36%)$547,400 (+53.29%) Land $68,700 Building $478,700$547,400 (+53.29%) Land $68,700 Building $478,700
2023$2,390.00$357,100 Land $36,600 Building $320,500$357,100 Land $36,600 Building $320,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemUNION COUNTY WATER SYSTEM
serves 169,685 people · EPA ID NC0190413
Water SourceSurface water
Last State InspectionMay 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Mar 2020
Haloacetic acids
resolved · Jul 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 26 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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