103 W Sunset Dr, Locust, NC 28097 Property Records

Stanly County property record for 103 W Sunset Dr, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,502 sqft · built 1980
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jul 2025)
Tax Bill	$2,003 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557503405899`

Property Details

APN / Parcel Number

Primary APN	`557503405899`
Alternative APNs	`1551903` `1535678` `19435`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,502 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	160 ft deep x 130 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	20 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1551903
Street Address	103 W SUNSET DR
City	LOCUST
State	NC
Zip	28097-7297
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	HSE 103 W SUNSET DR 557503032
Legal Subdivision	SUNSET PARK
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	103 W SUNSET DR, LOCUST, NC 28097-7297
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2025	Warranty Deed, Transfer · Conventional Mortgage LOAN PRONTO INC
Sep 23, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Sep 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Sep 23, 2021 · Amount on Record
Deed Document Number	2025479006
Deed Book / Page	1887 / 1394
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jul 2, 2025
Property Address	103 W SUNSET DR, LOCUST, NC 28097-7297
Document Number	0000479006
Book / Page	1887 / 1394
Map Reference	MB 5 PG 88
Instrument Date	Jul 2, 2025
Instrument	479006
Transaction Type	Transfer
Record Updated	Oct 27, 2025
Title Company	SURE TITLE COMPANY LLC, SREC TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 STONEWATER DR, OAKBORO, NC 28129

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 W SUNSET DR, LOCUST, NC 28097-7297

Mortgage

Document Number	0000479007
Date	Jul 2, 2025
Instrument	479007

Lender

Name	LOAN PRONTO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Sep 23, 2021
Property Address	103 W SUNSET DR, LOCUST, NC 28097-7297
Document Number	0000438017
Book / Page	1758 / 86
Instrument Date	Sep 22, 2021
Instrument	438017
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$442.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20021 SAINT MARTIN ROAD, 20021, LOCUST, NC 28097

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 W SUNSET DRIVE, ALBEMARLE, NC 28001

Mortgage

Document Number	0000438018
Date	Sep 23, 2021
Instrument	438018

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Sep 28, 2018
Property Address	103 W SUNSET DR, LOCUST, NC 28097-7297
Document Number	0000403688
Book / Page	001654 / 000686
Instrument Date	Sep 28, 2018
Instrument	403688
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 W SUNSET DR LOCUST NC 280977297, LOCUST, NC 28097-7297

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	$2,003.00	$217,752 (-) Land $39,768 Building $177,984	$217,752 (-) Land $39,768 Building $177,984
2025	$2,003.00 (+10.72%)	$217,752 (+31.15%) Land $39,768 Building $177,984	$217,752 (+31.15%) Land $39,768 Building $177,984
2023	$1,809.00	$166,035 Land $23,499 Building $142,536	$166,035 Land $23,499 Building $142,536

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	0.02% 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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