Union County property record for 809 Lake Stone Dr, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,983 sqft · built 2005 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $429,500 (Aug 2018) |
| Tax Bill | $5,890 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-161-107 |
| Primary APN | 09-161-107 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,983 sqft Living Area |
| 1st Floor Area | 1,795 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 43,560 sqft (1 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Attached |
| Garage Area | 733 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 809 LAKE STONE DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-8447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #31 BRIDGEWATER OPCF922 |
| Legal Subdivision | BRIDGEWATER |
| Legal Lot Number | 31 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 20602 |
809 Lake Stone Dr is owned and occupied by an individual who bought it in August 2018.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 809 LAKE STONE DR, MONROE, NC 28112-8447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Aug 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2018 · Amount on File |
| Deed Sale | Aug 14, 2018 · Amount on File |
| Prior Sale | May 27, 2005 · Amount on File |
| Deed Document Number | 201822971 |
| Deed Book / Page | 7216 / 240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 809 LAKE STONE DR, MONROE, NC 28112-8447 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0008046115 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 8046/115 |
| Instrument | 14952 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Aug 14, 2018 |
| Property Address | 809 LAKE STONE DR, MONROE, NC 28112-8447 |
| Document Number | 0007216240 |
| Book / Page | 7216 / 240 |
| Map Reference | CAB F FILE 922&923 |
| Instrument Date | Aug 14, 2018 |
| Instrument | 0022971 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $859.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2008 CANOPY DR, 2008, INDIAN TRAIL, NC 28079-3760 |
| Name | Verified Name |
|---|---|
| Address | 809 LAKE STONE DR, MONROE, NC 28112-8447 |
| Document Number | 0000022972 |
|---|---|
| Date | Aug 14, 2018 |
| Instrument | 0022972 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2033 |
The 2025 property tax bill for 809 Lake Stone Dr was $5,890.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $673,800 (-) Land $83,000 Building $590,800 | $673,800 (-) Land $83,000 Building $590,800 | |
| 2025 | $5,890.00 | $673,800 Land $83,000 Building $590,800 | $673,800 Land $83,000 Building $590,800 |
| 2023 | $4,076.00 | $373,800 Land $50,000 Building $323,800 | $373,800 Land $50,000 Building $323,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 809 Lake Stone Dr in Zone X, an area of minimal flood risk.
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 | 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 risk around 809 Lake Stone Dr is low, with a 0.02% 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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MONROE serves 43,081 people · EPA ID NC0190010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | E. coli resolved · Aug 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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