112 James Rd, Oakboro, NC 28129 Property Records

Stanly County property record for 112 James Rd, Oakboro, NC 28129

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,762 sqft · built 2007
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on File
Last Sale	$354,000 (May 2023)
Tax Bill	$2,991 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`650302652303`

Property Details

APN / Parcel Number

Primary APN	`650302652303`
Alternative APNs	`1543303` `12591` `3026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,762 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	202 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	650 sqft
Porch	Porch
Porch Area	192 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	1543303
Street Address	112 JAMES RD
City	OAKBORO
State	NC
Zip	28129-7763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	HSE 112 JAMES RD 650300101
Legal Subdivision	UNION VIEW ESTATES
Legal Lot Number	17/18
Jurisdiction	STANLY NC
Township / Civil Division	BIG LICK
Census Block Group	2
Census Block	2066
Census Tract	930901

Owner

112 James Rd is owned and occupied by two individuals who bought it in May 2023.

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	112 JAMES RD, OAKBORO, NC 28129-7763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
May 10, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023 · Amount on File
Deed Sale	May 10, 2023 · Amount on File
Prior Sale	Mar 2, 2007 · Amount on File
Deed Document Number	2023457850
Deed Book / Page	1820 / 678
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Recording Date	May 4, 2026
Property Address	112 JAMES RD, OAKBORO, NC 28129-7763
Document Number	0000487450
Book / Page	1917 / 850
Instrument Date	Apr 29, 2026
Instrument	2026487450
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 JAMES RD, OAKBORO, NC 28129-7763

Mortgage

Document Number	0000487450,
Date	May 4, 2026
Book Page	1917/850
Instrument	2026487450

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 10, 2023
Property Address	112 JAMES RD, OAKBORO, NC 28129-7763
Document Number	0000457850
Book / Page	1820 / 678
Map Reference	MB 6 PG 121
Instrument Date	May 10, 2023
Instrument	457850
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$708.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24109 COLEY STORE RD, LOCUST, NC 28097-7166

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1728 109 N, WADESBORO, NC 28170

Mortgage

Document Number	0000457851
Date	May 10, 2023
Instrument	457851

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 112 James Rd was $2,991.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,991.00	$308,446 Land $47,040 Building $261,406	$308,446 Land $47,040 Building $261,406
2023	$1,909.00 (+40.37%)	$187,250 (-) Land $22,108 Building $165,142	$187,250 (-) Land $22,108 Building $165,142
2022	$1,360.00	$187,250 Land $22,108 Building $165,142	$187,250 Land $22,108 Building $165,142

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 112 James Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 112 James Rd 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	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	TOWN OF OAKBORO serves 3,173 people · EPA ID NC0184020
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 52 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

May also be available: T-Mobile.

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