Union County property record for 4520 Capstone Dr, Monroe, NC 28110 · Last verified June 2026
| Property Type | Rural Home |
|---|---|
| Details | 2.5 ba · 1,720 sqft · built 2000 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Dec 2017) |
| Tax Bill | $2,374 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-396-497 |
| Primary APN | 09-396-497 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,720 sqft Living Area |
| Gross Area | 2,120 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 9,801 sqft (0.225 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4520 CAPSTONE DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-7673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | #84 CORNERSTONE PH 2A OPCF907 |
| Legal Subdivision | CORNERSTONE |
| Legal Lot Number | 84 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 20307 |
Source: Union County records · APN 09-396-497
Assessment roll updated March 31, 2026 · Last verified June 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 | 4520 CAPSTONE DR, MONROE, NC 28110-7673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2017 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 27, 2017 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 27, 2017 · Amount on Record |
| Deed Sale | Dec 27, 2017 · Amount on Record |
| Prior Sale | Oct 11, 2004 · Amount on Record |
| Deed Document Number | 201737652 |
| Deed Book / Page | 7078 / 50 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4520 CAPSTONE DR, MONROE, NC 28110-7673 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LENDER RECORDING SERVICES IN |
| Name | Verified Name |
|---|
| Document Number | 7016606 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 7016/606 |
| Instrument | 0027338 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | INDIAN TRAIL, NC 28079 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4520 CAPSTONE DR, MONROE, NC 28110-7673 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7668850 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 7668/850 |
| Instrument | 16710 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 27, 2017 |
| Property Address | 4520 CAPSTONE DR, MONROE, NC 28110-7673 |
| Document Number | 707850 |
| Book / Page | 007078 / 000050 |
| Instrument Date | Dec 27, 2017 |
| Instrument | 37652 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2019 |
| Title Company | MOREHEAD TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4520 CAPSTONE DR MONROE NC 281107673, MONROE, NC 28110-7673 |
| Document Number | 707852 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 007078/000052 |
| Instrument | 37653 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLITON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 26, 2047 |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,374.00 (+16.6%) | $355,400 (+47.84%) Land $69,000 Building $286,400 | $355,400 (+47.84%) Land $69,000 Building $286,400 |
| 2023 | $2,036.00 | $240,400 Land $42,000 Building $198,400 | $240,400 Land $42,000 Building $198,400 |
Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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