104 Tucker St, Locust, NC 28097 Property Records

Stanly County property record for 104 Tucker St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 844 sqft · built 1950
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on Record
Tax Bill	$911 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`556504903267`

Property Details

APN / Parcel Number

Primary APN	`556504903267`
Alternative APNs	`1516875` `10307`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	844 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	325 ft deep x 94 ft wide
Garage Area	352 sqft
Porch	Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	1516875
Street Address	104 TUCKER ST
City	LOCUST
State	NC
Zip	28097-9502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	HSE 104 TUCKER ST 556504049
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1033
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	104 TUCKER ST, LOCUST, NC 28097-9502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2025	Deed of Trust, Mortgage · FHA Mortgage RADIUS FINANCIAL GROUP INC
Oct 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	104 TUCKER ST, LOCUST, NC 28097-9502
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000479721
Date	Jul 30, 2025
Book Page	1890/351
Instrument	479721

Lender

Name	RADIUS FINANCIAL GROUP INC
Type	Mortgage Company
Address	NORWELL, MA 02061

Agreement

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

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	104 TUCKER ST, LOCUST, NC 28097-9502
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 TUCKER ST, LOCUST, NC 28097-9502

Mortgage

Document Number	0000462171
Date	Oct 2, 2023
Book Page	1834/251
Instrument	462171

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

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	$911.00	$99,087 (-) Land $33,276 Building $65,811	$99,087 (-) Land $33,276 Building $65,811
2025	$911.00 (+29.77%)	$99,087 (+53.65%) Land $33,276 Building $65,811	$99,087 (+53.65%) Land $33,276 Building $65,811
2023	$702.00	$64,489 Land $19,965 Building $44,524	$64,489 Land $19,965 Building $44,524

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	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	STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 78 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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