107 Oakgrove St, Locust, NC 28097 Property Records

Stanly County property record for 107 Oakgrove St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1975
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2026)
Tax Bill	$2,592 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`556504825808`

Property Details

APN / Parcel Number

Primary APN	`556504825808`
Alternative APNs	`1537586` `1554658` `318`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.77 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Pool Type
Pool Area	480 sqft
Porch	Porch
Porch Area	136 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1554658
Street Address	107 OAKGROVE ST
City	LOCUST
State	NC
Zip	28097-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	HSE 107 OAKGROVE ST 556504068
Legal Subdivision	CHARLIE H HARTSELL
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1023
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	107 OAKGROVE ST, LOCUST, NC 28097-9618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Apr 20, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 18, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Prior Sale	Feb 18, 2022 · Amount on Record
Deed Document Number	2026486576
Deed Book / Page	1914 / 650
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	107 OAKGROVE ST, LOCUST, NC 28097-9618
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	SERVICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 OAKGROVE ST, LOCUST, NC 28097-9618

Mortgage

Document Number	0000465951
Date	Mar 8, 2024
Book Page	1846/856
Instrument	465951

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23453

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Mar 1, 2052

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	107 OAKGROVE ST, LOCUST, NC 28097-9618
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 OAKGROVE ST, LOCUST, NC 28097-9618

Mortgage

Document Number	0000457185
Date	Apr 20, 2023
Book Page	1818/209
Instrument	457185

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Mar 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Feb 18, 2022
Property Address	107 OAKGROVE ST, LOCUST, NC 28097-9618
Document Number	0000443662
Book / Page	1775 / 1273
Instrument Date	Feb 14, 2022
Instrument	443662
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10955 HAZARD RD, 10955, OAKBORO, NC 28129-8740

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	107 OAKGROVE ST, LOCUST, NC 28097-9618

Mortgage

Document Number	0000443663
Date	Feb 18, 2022
Instrument	443663

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$2,592.00	$281,763 (-) Land $51,243 Building $230,520	$281,763 (-) Land $51,243 Building $230,520
2025	$2,592.00 (+42.03%)	$281,763 (+68.27%) Land $51,243 Building $230,520	$281,763 (+68.27%) Land $51,243 Building $230,520
2023	$1,825.00	$167,447 Land $30,280 Building $137,167	$167,447 Land $30,280 Building $137,167

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oakgrove St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures