Stanly County property record for 1022 Lowder St, Albemarle, NC 28001
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,048 sqft · built 1920 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Sep 2023) |
| Tax Bill | $2,263 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 653804847892 |
| Primary APN | 653804847892 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,048 sqft Finished Area |
| Flooring | Covered |
| Interior Walls | Wood |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 146 ft deep x 81 ft wide |
| Porch | Porch |
| Porch Area | 396 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 1544947 |
|---|---|
| Street Address | 1022 LOWDER ST |
| City | ALBEMARLE |
| State | NC |
| Zip | 28001-4624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8 |
| Legal Description | HSE 1022 LOWDER ST 653816010 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | SOUTH ALBEMARLE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 931202 |
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 | 1022 LOWDER ST, ALBEMARLE, NC 28001-4624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Sep 28, 2023 | Warranty Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC |
| Nov 9, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2023 · Amount on Record |
| Deed Sale | Sep 28, 2023 · Amount on Record |
| Prior Sale | Aug 1, 2016 · Amount on Record |
| Deed Document Number | 2023462063 |
| Deed Book / Page | 1833 / 1318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | May 15, 2026 |
| Property Address | 1022 LOWDER ST, ALBEMARLE, NC 28001-4624 |
| Document Number | 0000487840 |
| Book / Page | 1918 / 1588 |
| Instrument Date | May 7, 2026 |
| Instrument | 2026487840 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1022 LOWDER ST, ALBEMARLE, NC 28001-4624 |
| Document Number | 0000487840, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 1918/1588 |
| Instrument | 2026487840 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Nov 1, 2054 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Sep 28, 2023 |
| Property Address | 1022 LOWDER ST, ALBEMARLE, NC 28001-4624 |
| Document Number | 0000462063 |
| Book / Page | 1833 / 1318 |
| Instrument Date | Sep 27, 2023 |
| Instrument | 462063 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 182 NC 740 HWY, BADIN, NC 28009 |
| Name | Verified Name |
|---|---|
| Address | 2309 CHESTNUT LN, MATTHEWS, NC 28104-6789 |
| Document Number | 0000462064 |
|---|---|
| Date | Sep 28, 2023 |
| Instrument | 462064 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Nov 9, 2022 |
| Property Address | 1022 LOWDER ST, ALBEMARLE, NC 28001-4624 |
| Document Number | 0000452965 |
| Book / Page | 1805 / 169 |
| Instrument Date | Aug 2, 2022 |
| Instrument | 452965 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1022 LOWDER ST, ALBEMARLE, NC 28001-4624 |
| Name | Verified Name |
|---|---|
| Address | 206 SMOKEHOUSE LN, ALBEMARLE, NC 28001-9128 |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Albemarle City |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,263.00 | $202,071 (-) Land $13,365 Building $188,706 | $202,071 (-) Land $13,365 Building $188,706 |
| 2025 | $2,263.00 (+113.69%) | $202,071 (+132.59%) Land $13,365 Building $188,706 | $202,071 (+132.59%) Land $13,365 Building $188,706 |
| 2023 | $1,059.00 | $86,877 Land $6,804 Building $80,073 | $86,877 Land $6,804 Building $80,073 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2003 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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