1010 Lafayette Dr, Albemarle, NC 28001 Property Records

Stanly County property record for 1010 Lafayette Dr, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,118 sqft · built 1992
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$599,000 (Dec 2023)
Tax Bill	$6,699 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`654904932147`

Property Details

APN / Parcel Number

Primary APN	`654904932147`
Alternative APNs	`1545884` `27226` `21554`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,118 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,094 sqft (1.15 acres)
Garage Type	Detached
Garage Area	528 sqft
Porch	Porch
Porch Area	146 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1545884
Street Address	1010 LAFAYETTE DR
City	ALBEMARLE
State	NC
Zip	28001-7850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	HSE 1010 LAFAYETTE DR 654916047
Legal Subdivision	HATFIELD SUBDIVISION
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	1
Census Block	1017
Census Tract	930300

Owner

1010 Lafayette Dr is owned by two individuals who bought it in December 2023.

Source: Stanly County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1162, ALBEMARLE, NC 28002-1162
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2023 · Amount on File
Deed Sale	Dec 19, 2023 · Amount on File
Deed Document Number	2023464127
Deed Book / Page	1840 / 327
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Dec 19, 2023
Property Address	1010 LAFAYETTE DR, ALBEMARLE, NC 28001-7850
Document Number	0000464127
Book / Page	1840 / 327
Map Reference	MB 7 PG 24
Instrument Date	Dec 19, 2023
Instrument	464127
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1010 LAFAYETTE DR, ALBEMARLE, NC 28001-7850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1162, ALBEMARLE, NC 28002-1162

Mortgage

Document Number	0000464128
Date	Dec 19, 2023
Instrument	464128

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 1010 Lafayette Dr was $6,699.

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Albemarle City
County	Stanly County
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,699.00	$598,134 Land $61,425 Building $536,709	$598,134 Land $61,425 Building $536,709
2023	$5,123.00	$419,981 Land $48,437 Building $371,544	$419,981 Land $48,437 Building $371,544

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1010 Lafayette Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective May 30, 2024 · 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
Nearby Flood Claims	2 (1979–1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1997 · rainfall accumulation

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

Wildfire risk around 1010 Lafayette Dr is low, with a 0.01% 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	0.01% 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	CITY OF ALBEMARLE serves 17,506 people · EPA ID NC0184010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20