913 Oak Forest Dr, Monroe, NC 28112 Property Records

Union County property record for 913 Oak Forest Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,299 sqft · built 1972
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,000 (Mar 2023)
Tax Bill	$4,652 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-197-005`

Property Details

APN / Parcel Number

Primary APN	`09-197-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,299 sqft Living Area
Gross Area	3,426 sqft
1st Floor Area	2,122 sqft
Basement Area	891 sqft
Finished Basement	891 sqft
Unfinished Basement	891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	70,132 sqft (1.61 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	436 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	913 OAK FOREST DR
City	MONROE
State	NC
Zip	28112-5146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10 MONRO
Legal Description	P/#5,#7,#9,P/#11 COUNCIL OAKS PB5 PG179
Legal Subdivision	COUNCIL OAKS
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2019
Census Tract	20602

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	913 OAK FOREST DR, MONROE, NC 28112-5146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Prior Sale	Mar 4, 1999 · Amount on Record
Deed Document Number	20237373
Deed Book / Page	8681 / 702
Prior Transfer Date	Oct 28, 2015
Prior Transfer Doc	6736776
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 31, 2023
Property Address	913 OAK FOREST DR, MONROE, NC 28112-5146
Document Number	0008681702
Book / Page	8681 / 702
Map Reference	MB 5 PG 179
Instrument Date	Mar 31, 2023
Instrument	7373
Transaction Type	Transfer
Record Updated	Apr 26, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	905 OAK FOREST DR, MONROE, NC 28112-5146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 OAK FOREST DR, MONROE, NC 28112-5146

Mortgage

Document Number	0000007374
Date	Mar 31, 2023
Instrument	7374

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Apr 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.4%
Index	5-Year TN
Max Rate	11.4%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$532,200 (-) Land $93,500 Building $438,700	$532,200 (-) Land $93,500 Building $438,700
2025	$4,652.00 (+35.82%)	$532,200 (+69.44%) Land $93,500 Building $438,700	$532,200 (+69.44%) Land $93,500 Building $438,700
2023	$3,425.00	$314,100 Land $35,300 Building $278,800	$314,100 Land $35,300 Building $278,800

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 · 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20