102 Locust Ave, Locust, NC 28097 Property Records

Stanly County property record for 102 Locust Ave, Locust, NC 28097

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3 bd · 1 ba · 1,248 sqft · built 1940
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jul 2022)
Tax Bill	$2,188 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557503420257`

Property Details

APN / Parcel Number

Primary APN	`557503420257`
Alternative APNs	`1522290` `23265` `14482`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	180 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	1,248 sqft
Carport	Carport
Carport Area	1,248 sqft
Porch	Porch
Porch Area	96 sqft
Deck Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	14482
Street Address	102 LOCUST AVE
City	LOCUST
State	NC
Zip	28097-7217
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	CC
Legal Description	HSE 102 LOCUST AVE DBA TOMBERLIN INC 557503155
Legal Subdivision	PHYSICAL SURVEY
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1031
Census Tract	930801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 925, LOCUST, NC 28097-0925
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Jul 19, 2022	Warranty Deed, Transfer
May 1, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	May 1, 2019 · Amount on Record
Deed Document Number	2022449255
Deed Book / Page	1793 / 693
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	102 LOCUST AVE, LOCUST, NC 28097-7217
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 LOCUST AVE, LOCUST, NC 28097-7217

Mortgage

Document Number	0000451431
Date	Sep 22, 2022
Book Page	1800/173
Instrument	451431

Lender

Name	PINNACLE BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jul 19, 2022
Property Address	102 LOCUST AVE, LOCUST, NC 28097-7217
Document Number	0000449255
Book / Page	1793 / 693
Instrument Date	Jul 18, 2022
Instrument	449255
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20211 RIDGEBROOK LN, LOCUST, NC 28097-8406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 925, LOCUST, NC 28097-0925

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 1, 2019
Property Address	102 LOCUST AVE, LOCUST, NC 28097-7217
Document Number	0000409149
Book / Page	001669 / 000138
Instrument Date	May 1, 2019
Instrument	409149
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20211 RIDGEBROOK LN LOCUST NC 280978406, LOCUST, NC 28097-8406

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,188.00	$237,930 (-) Land $81,000 Building $156,930	$237,930 (-) Land $81,000 Building $156,930
2025	$2,188.00 (+114.51%)	$237,930 (+154.1%) Land $81,000 Building $156,930	$237,930 (+154.1%) Land $81,000 Building $156,930
2023	$1,020.00	$93,635 Land $48,600 Building $45,035	$93,635 Land $48,600 Building $45,035

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 May 30, 2024

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	STANFIELD #3-POLK FORD/RENEE FORD serves 854 people · EPA ID NC2084008
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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