4307 Cooling Stone Ln, Monroe, NC 28110 Property Records

Union County property record for 4307 Cooling Stone Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,157 sqft · built 2016
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on File
Tax Bill	$2,659 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-072-074`

Property Details

APN / Parcel Number

Primary APN	`09-072-074`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,157 sqft Living Area
1st Floor Area	1,798 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	40,946 sqft (0.94 acres)
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	15 sqft
Deck Area	188 sqft
Patio Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4307 COOLING STONE LN
City	MONROE
State	NC
Zip	28110-4801
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	#44 THE OAKS AT CAMDEN, SOUTH PHASE, MAP 2 OPCM494-496
Legal Subdivision	OAKS (THE) @ CAMDEN SOUTH
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3079
Census Tract	20100

Owner

4307 Cooling Stone Ln, a rural home, is owned and occupied by an individual who acquired it in April 2024.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	4307 COOLING STONE LN, MONROE, NC 28110-4801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 1, 2024	Intrafamily Transfer, Transfer · FHA Mortgage KIND LENDING LLC
Feb 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 30, 2018	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC
Mar 13, 2017	Warranty Deed, Transfer · VA Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2024
Deed Sale	Apr 1, 2024
Prior Sale	Nov 30, 2018 · Amount on File
Deed Document Number	20247096
Deed Book / Page	8878 / 792
Prior Transfer Date	Mar 21, 2024
Prior Transfer Doc	0008878792
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4307 COOLING STONE LN, MONROE, NC 28110-4801
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000920950
Date	Sep 29, 2025
Book Page	9209/50
Instrument	25184

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Apr 1, 2024
Property Address	4307 COOLING STONE LN, MONROE, NC 28110-4801
Document Number	0008878792
Book / Page	8878 / 792
Map Reference	CAB M FILE 494-496
Instrument Date	Mar 21, 2024
Instrument	7096
Transaction Type	Transfer
Record Updated	Apr 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007097
Date	Apr 1, 2024
Instrument	7097

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4307 COOLING STONE LN, MONROE, NC 28110-4801
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7992483
Date	Feb 17, 2021
Book Page	7992/483
Instrument	7325

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Apr 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4307 COOLING STONE LN, MONROE, NC 28110-4801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7591535
Date	Feb 24, 2020
Book Page	7591/535
Instrument	5908

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Feb 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 30, 2018
Property Address	4307 COOLING STONE LN, MONROE, NC 28110-4801
Document Number	0007277106
Book / Page	7277 / 106
Map Reference	CAB M FILE 494-496
Instrument Date	Nov 30, 2018
Instrument	0033143
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033144
Date	Nov 30, 2018
Instrument	0033144

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 13, 2017
Property Address	4307 COOLING STONE LN, MONROE, NC 28110-4801
Document Number	0006892234
Book / Page	6892 / 234
Map Reference	CAB M FILE 494-496
Instrument Date	Feb 21, 2017
Instrument	0006797
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$584.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8240 BALLANTYNE COMMONS PKWY, 8240, CHARLOTTE, NC 28277-3432

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006798
Date	Mar 13, 2017
Instrument	0006798

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4307 Cooling Stone Ln was $2,659.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Unionville Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$523,300 (-) Land $110,800 Building $412,500	$523,300 (-) Land $110,800 Building $412,500
2025	$2,659.00	$523,300 Land $110,800 Building $412,500	$523,300 Land $110,800 Building $412,500
2023	$2,298.00	$343,300 Land $57,100 Building $286,200	$343,300 Land $57,100 Building $286,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4307 Cooling Stone Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

Wildfire risk around 4307 Cooling Stone 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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