108 Smith St, Locust, NC 28097 Property Records

Stanly County property record for 108 Smith St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,332 sqft · built 1957
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Jun 2021)
Tax Bill	$1,400 (2023)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557503440887`

Property Details

APN / Parcel Number

Primary APN	`557503440887`
Alternative APNs	`1534346` `27832`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,332 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	199 ft deep x 150 ft wide
Garage Area	720 sqft
Porch	Porch
Porch Area	24 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1534346
Street Address	108 SMITH ST
City	LOCUST
State	NC
Zip	28097-7272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	HSE 108 SMITH ST LT 9 PT LT 8 557503288
Legal Subdivision	M E SMITH DEV
Legal Lot Number	8-9
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1027
Census Tract	930801

Owner

Source: Stanly County records, as of October 2, 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 Record
Co-owner	Co-owner on Record
Mailing Address	108 SMITH ST, LOCUST, NC 28097-7272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Mar 23, 2009 · Amount on Record
Deed Document Number	0001745665
Deed Book / Page	1745 / 665
Record Updated	Jun 7, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 11, 2021
Property Address	108 SMITH ST, LOCUST, NC 28097-7272
Document Number	0000434030
Book / Page	1745 / 665
Instrument Date	Jun 11, 2021
Instrument	434030
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9830 STANDING WOOD CT, 9830, MINT HILL, NC 28227-4125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SMITH ST, LOCUST, NC 28097-7272

Mortgage

Document Number	0000434031
Date	Jun 11, 2021
Instrument	434031

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

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

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
2023	$1,400.00	$128,493 Land $23,976 Building $104,517	$128,493 Land $23,976 Building $104,517

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	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 177 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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