Union County property record for 4515 Capstone Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 1,202 sqft · built 2000 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Aug 2020) |
| Tax Bill | $1,965 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Dec 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-396-484 |
| Primary APN | 09-396-484 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,202 sqft Living Area |
| Gross Area | 1,602 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 11,151 sqft (0.256 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4515 CAPSTONE DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-7673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-1 INDIA |
| Legal Description | #71 CORNERSTONE PH2A OPCF907-908 |
| Legal Subdivision | CORNERSTONE |
| Legal Lot Number | 71 |
| 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 | Individual Name on File |
|---|---|
| Mailing Address | 4515 CAPSTONE DR, MONROE, NC 28110-7673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage LATINO COMMUNITY CU |
| Dec 19, 2017 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 13, 2020 · Amount on Record |
| Deed Sale | Aug 13, 2020 · Amount on Record |
| Prior Sale | Apr 30, 2001 · Amount on Record |
| Deed Document Number | 202031138 |
| Deed Book / Page | 7771 / 661 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Aug 13, 2020 |
| Property Address | 4515 CAPSTONE DR, MONROE, NC 28110-7673 |
| Document Number | 0007771661 |
| Book / Page | 7771 / 661 |
| Map Reference | CAB F FILE 907&908 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 31138 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 527 BETHPHAGE LN, 527, MONROE, NC 28112-7605 |
| Name | Verified Name |
|---|---|
| Address | 4515 CAPSTONE DR, MONROE, NC 28110-7673 |
| Document Number | 0000031139 |
|---|---|
| Date | Aug 13, 2020 |
| Instrument | 31139 |
| Name | LATINO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Margin | 6 |
| Max Rate | 5.75% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4515 CAPSTONE DR, MONROE, NC 28110-7673 |
| Document Number | 709095 |
| Instrument Date | Dec 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4515 CAPSTONE DR MONROE NC 281107673, MONROE, NC 28110-7673 |
| Document Number | 709095 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 007090/000095 |
| Instrument | 1585 |
| Name | MIDFIRST BK |
|---|---|
| Type | Federal Savings Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
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 | $1,965.00 (+16.07%) | $292,800 (+47.28%) Land $69,000 Building $223,800 | $292,800 (+47.28%) Land $69,000 Building $223,800 |
| 2023 | $1,693.00 | $198,800 Land $42,000 Building $156,800 | $198,800 Land $42,000 Building $156,800 |
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 | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures