1111 Smith St, Albemarle, NC 28001 Property Records

Stanly County property record for 1111 Smith St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,750 sqft · built 1993
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$720 (Aug 2021)
Tax Bill	$4,718 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`654904704843`

Property Details

APN / Parcel Number

Primary APN	`654904704843`
Alternative APNs	`1535130` `8847`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,750 sqft Finished Area
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	175 ft deep x 110 ft wide
Porch	Porch
Porch Area	800 sqft
Deck Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	1535130
Street Address	1111 SMITH ST
City	ALBEMARLE
State	NC
Zip	28001-3050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	HSE 1111 SMITH ST LOT 32 SEC D 654919048
Legal Subdivision	MELCHOR HEIGHTS
Legal Lot Number	32
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	2
Census Block	2015
Census Tract	931204

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	1111 SMITH ST, ALBEMARLE, NC 28001-3050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Feb 12, 2010 · Amount on Record
Deed Document Number	2021436375
Deed Book / Page	1752 / 1388
Prior Transfer Date	Jan 6, 2014
Prior Transfer Doc	0000361101
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Aug 12, 2021
Property Address	1111 SMITH ST, ALBEMARLE, NC 28001-3050
Document Number	0000436375
Book / Page	1752 / 1388
Map Reference	MB 6 PG 62
Instrument Date	Aug 12, 2021
Instrument	436375
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 N 9TH ST, 303, ALBEMARLE, NC 28001-4217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 SMITH ST, ALBEMARLE, NC 28001-3050

Mortgage

Document Number	0000436376
Date	Aug 12, 2021
Instrument	436376

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	$4,718.00 (+12.15%)	$421,335 (+22.17%) Land $39,204 Building $382,131	$421,335 (+22.17%) Land $39,204 Building $382,131
2023	$4,207.00	$344,866 Land $23,166 Building $321,700	$344,866 Land $23,166 Building $321,700

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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	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	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 103 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20