4905 Pine Oaks Dr, Monroe, NC 28112 Property Records

Union County property record for 4905 Pine Oaks Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,383 sqft · built 1986
Lot Size	0.985 acres (42,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$7,000 (Jun 2001)
Tax Bill	$1,171 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-150-031`

Property Details

APN / Parcel Number

Primary APN	`04-150-031`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,383 sqft Living Area
Gross Area	1,378 sqft
1st Floor Area	1,378 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,907 sqft (0.985 acres)
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	210 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4905 PINE OAKS DR
City	MONROE
State	NC
Zip	28112-9437
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#3 PINE OAKS OPCB159B
Legal Subdivision	PINE OAKS
Legal Lot Number	#3
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	3
Census Block	3022
Census Tract	20901

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 Record	2 Individual Names on Record
Mailing Address	4905 PINE OAKS DR, MONROE, NC 28112-9437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Dec 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage BLACKBOX HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2001 · Amount on Record
Deed Sale	Jun 29, 2001 · Amount on Record
Deed Document Number	200158903
Deed Book / Page	1593 / 100
Last Transfer Date	Nov 30, 2021
Transfer Doc	0008334503
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4905 PINE OAKS DR, MONROE, NC 28112-9437
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008767709
Date	Aug 22, 2023
Book Page	8767/709
Instrument	20404

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Dec 6, 2021
Property Address	4905 PINE OAKS DR, MONROE, NC 28112-9437
Document Number	0008334503
Book / Page	8334 / 503
Map Reference	CAB B FILE 159-B
Instrument Date	Nov 30, 2021
Instrument	57288
Transaction Type	Transfer
Record Updated	Dec 23, 2021

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
Address	4905 PINE OAKS DR, MONROE, NC 28112-9437

Mortgage

Document Number	0000057289
Date	Dec 6, 2021
Instrument	57289

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 2, 2042

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4905 PINE OAKS DR, MONROE, NC 28112-9437
Document Number	7612855
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	May 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	7612855
Date	Mar 18, 2020
Book Page	007612/000855
Instrument	9113

Lender

Name	BLACKBOX HOLDINGS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$245,000 (-) Land $70,000 Building $175,000	$245,000 (-) Land $70,000 Building $175,000
2025	$1,171.00 (-14.15%)	$245,000 (+11.82%) Land $70,000 Building $175,000	$245,000 (+11.82%) Land $70,000 Building $175,000
2023	$1,364.00	$219,100 Land $43,200 Building $175,900	$219,100 Land $43,200 Building $175,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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