Union County property record for 830 Lake Stone Dr, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,474 sqft · built 2003 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,500 (Dec 2023) |
| Tax Bill | $4,919 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-161-095 |
| Primary APN | 09-161-095 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,474 sqft Living Area |
| Gross Area | 3,312 sqft |
| 1st Floor Area | 2,474 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,996 sqft (1.01 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Attached |
| Garage Area | 838 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 830 LAKE STONE DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-8452 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #19 BRIDGEWATER OPCG049 |
| Legal Subdivision | BRIDGEWATER |
| Legal Lot Number | 19 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 20602 |
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 | 830 LAKE STONE DR, MONROE, NC 28112-8452 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Apr 13, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Feb 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2023 · Amount on Record |
| Deed Sale | Dec 4, 2023 · Amount on Record |
| Prior Sale | Feb 11, 2022 · Amount on Record |
| Deed Document Number | 202328956 |
| Deed Book / Page | 8821 / 366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 4, 2023 |
| Property Address | 830 LAKE STONE DR, MONROE, NC 28112-8452 |
| Document Number | 0008821366 |
| Book / Page | 8821 / 366 |
| Map Reference | CAB F FILE 922&923 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 28956 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Title Company | NOT AVAILABLE, INVESTORS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,171.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 677 POPLAR VIEW DR NW, CONCORD, NC 28027-0274 |
| Name | Verified Name |
|---|---|
| Address | 830 LAKE STONE DR, MONROE, NC 28112-8452 |
| Document Number | 0000028957 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 28957 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 830 LAKE STONE DR, MONROE, NC 28112-8452 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 830 LAKE STONE DR, MONROE, NC 28112-8452 |
| Document Number | 0008452202 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 8452/202 |
| Instrument | 13698 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 12, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 11, 2022 |
| Property Address | 830 LAKE STONE DR, MONROE, NC 28112-8452 |
| Document Number | 0008396841 |
| Book / Page | 8396 / 841 |
| Map Reference | CAB F FILE 922&923 |
| Instrument Date | Feb 11, 2022 |
| Instrument | 5359 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2022 |
| Title Company | INVESTORS TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 372 MONROE WHITE STORE RD, 372, PEACHLAND, NC 28133-8246 |
| Name | Verified Name |
|---|---|
| Address | 830 LAKE STONE DR, MONROE, NC 28112-8452 |
| Document Number | 0000005360 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 5360 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
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 | $562,700 (-) Land $83,100 Building $479,600 | $562,700 (-) Land $83,100 Building $479,600 | |
| 2025 | $4,919.00 (+25.42%) | $562,700 (+56.44%) Land $83,100 Building $479,600 | $562,700 (+56.44%) Land $83,100 Building $479,600 |
| 2023 | $3,922.00 | $359,700 Land $50,000 Building $309,700 | $359,700 Land $50,000 Building $309,700 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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 | 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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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