1040 E Main St, Albemarle, NC 28001 Property Records

Stanly County property record for 1040 E Main St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,598 sqft · built 1927
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$108,000 (Nov 2019)
Tax Bill	$1,297 (2023)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`654802659176`

Property Details

APN / Parcel Number

Primary APN	`654802659176`
Alternative APNs	`1527115` `11090`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,598 sqft Finished Area
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Exterior Material	Stucco
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	309 ft deep x 75 ft wide
Garage Area	392 sqft
Porch	Porch
Porch Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1527115
Street Address	1040 E MAIN ST
City	ALBEMARLE
State	NC
Zip	28001-5017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	HSE 1040 E MAIN ST 654811015
Legal Subdivision	PAUL B & WILLIW W FWY PROP
Legal Lot Number	17
Jurisdiction	STANLY NC
Township / Civil Division	SOUTH ALBEMARLE
Census Block Group	2
Census Block	2009
Census Tract	931203

Owner

Source: Stanly County assessment roll, as of January 1, 2023

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

Owner of Record	Individual Name on File
Mailing Address	1040 E MAIN ST, ALBEMARLE, NC 28001-5017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Dec 15, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 6, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 6, 2019 · Amount on Record
Deed Sale	Nov 6, 2019 · Amount on Record
Prior Sale	Jan 20, 2011
Deed Document Number	0001685147
Deed Book / Page	1685 / 147
Record Updated	Jun 7, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	1040 E MAIN ST, ALBEMARLE, NC 28001-5017
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 E MAIN ST, ALBEMARLE, NC 28001-5017

Mortgage

Document Number	0000482847
Date	Nov 14, 2025
Book Page	1900/1249
Instrument	482847

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	1040 E MAIN ST, ALBEMARLE, NC 28001-5017
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	AMERICAS SETTLEMENT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441329
Date	Dec 15, 2021
Book Page	1768/980
Instrument	441329

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Nov 6, 2019
Property Address	1040 E MAIN ST, ALBEMARLE, NC 28001-5017
Document Number	0016850147
Book / Page	001685 / 000147
Instrument Date	Nov 6, 2019
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$216.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 E MAIN ST ALBEMARLE NC 280015017, ALBEMARLE, NC 28001-5017

Tax Assessment & Valuation

Source: Stanly County assessment roll, as of January 1, 2023

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
2023	$1,297.00	$106,362 Land $11,846 Building $94,516	$106,362 Land $11,846 Building $94,516

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 · 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	2 in force

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

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 at the parcel

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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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