109 Bell Rd, Richfield, NC 28137 Property Records

Stanly County property record for 109 Bell Rd, Richfield, NC 28137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,663 sqft · built 2023
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Mar 2026)
Tax Bill	$2,272 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`662304909484`

Property Details

APN / Parcel Number

Primary APN	`662304909484`
Alternative APNs	`1538153` `1544654` `1554577` `27775` `31129`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,663 sqft Finished Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	156 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1554577
Street Address	109 BELL RD
City	RICHFIELD
State	NC
Zip	28137-5715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	HSE 109 BELL RD LOT 28 662304047
Legal Subdivision	CARDINAL ESTATES
Legal Lot Number	28
Jurisdiction	STANLY NC
Township / Civil Division	HARRIS
Census Block Group	2
Census Block	2008
Census Tract	930101

Owner

109 Bell Rd is owned and occupied by two individuals who bought it in March 2026.

Source: Stanly County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	109 BELL RD, RICHFIELD, NC 28137-5715
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UWHARRIE BANK
Oct 11, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2026 · Amount on File
Deed Sale	Mar 26, 2026 · Amount on File
Prior Sale	Sep 1, 2023 · Amount on File
Deed Document Number	2026486318
Deed Book / Page	1913 / 969
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Sep 1, 2023
Property Address	109 BELL RD, RICHFIELD, NC 28137-5715
Document Number	0000461216
Book / Page	1831 / 295
Map Reference	MB 6 PG 86
Instrument Date	Aug 31, 2023
Instrument	461216
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 30, 2024

Transaction

Amount	Amount on Record
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	2113 WRIGHT RD, INDIAN TRAIL, NC 28079-8720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BELL RD, RICHFIELD, NC 28137-5715

Mortgage

Document Number	0000461217
Date	Sep 1, 2023
Instrument	461217

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Oct 11, 2022
Property Address	109 BELL RD, RICHFIELD, NC 28137-5715
Document Number	0000452043
Book / Page	1802 / 216
Map Reference	MB 6 PG 86
Instrument Date	Oct 5, 2022
Instrument	452043
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 39, CONCORD, NC 28026-0039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 WESTOVER DRIVE #17411 # 17411, 17411, HERTFORD, NC 27930
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 109 Bell Rd was $2,272.

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Stanly County
Municipality	Richfield Town
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,272.00	$273,789 (-) Land $27,810 Building $245,979	$273,789 (-) Land $27,810 Building $245,979
2025	$2,272.00	$273,789 Land $27,810 Building $245,979	$273,789 Land $27,810 Building $245,979
2023	$156.00 (-83.1%)	$17,381 (-) Land $17,381	$17,381 (-) Land $17,381
2022	$923.00	$17,381 Land $17,381	$17,381 Land $17,381

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

Flood

FEMA maps place 109 Bell Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 109 Bell Rd is low, with a 0.02% annual chance of 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	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	PFEIFFER-N STANLY WATER ASSOC private · serves 4,513 people · EPA ID NC0184025
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Oct 2025
Lead	3 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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