1105 Spruce St, Albemarle, NC 28001 Property Records

Stanly County property record for 1105 Spruce St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 739 sqft · built 1910
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Jul 2022)
Tax Bill	$968 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`654903004174`

Property Details

APN / Parcel Number

Primary APN	`654903004174`
Alternative APNs	`1539460` `14105` `4879`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	739 sqft Finished Area
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1955
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	165 ft deep x 75 ft wide
Garage Area	240 sqft
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	1539460
Street Address	1105 SPRUCE ST
City	ALBEMARLE
State	NC
Zip	28001-2754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	HSE 1105 SPRUCE ST LOT 220 654917033
Legal Subdivision	WISCASSETT MILLS COMPANY VILLAGE SUB
Legal Lot Number	220
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	1
Census Block	1024
Census Tract	930500

Owner

1105 Spruce St is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1105 SPRUCE ST, ALBEMARLE, NC 28001-2754
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2022 · Amount on File
Deed Sale	Jul 12, 2022 · Amount on File
Deed Document Number	2022449041
Deed Book / Page	1792 / 1291
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jul 12, 2022
Property Address	1105 SPRUCE ST, ALBEMARLE, NC 28001-2754
Document Number	0000449041
Book / Page	1792 / 1291
Map Reference	MB 6 PG 61-B
Instrument Date	Jul 12, 2022
Instrument	449041
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5026 WOODRUN ON TILLERY, 5026, MOUNT GILEAD, NC 27306-9541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 SPRUCE ST, ALBEMARLE, NC 28001-2754

Mortgage

Document Number	0000449042
Date	Jul 12, 2022
Instrument	449042

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.15%
Index	5-Year CMT
Max Rate	10.1%

Tax Assessment & Valuation

The 2026 property tax bill for 1105 Spruce St was $968.

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

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
2026	$968.00	$86,468 Land $13,117 Building $73,351	$86,468 Land $13,117 Building $73,351
2023	$489.00 (-87.53%)	$40,087 (+23.61%) Land $6,678 Building $33,409	$40,087 (+23.61%) Land $6,678 Building $33,409
2022	$3,922.00	$32,431 Land $6,678 Building $25,753	$32,431 Land $6,678 Building $25,753

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 1105 Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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
Nearby Flood Claims	1 (1997)
Most Recent Claim	Jul 1997 · rainfall accumulation

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 1105 Spruce St is low, with a 0.01% 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	0.01% 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	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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20