Stanly County property record for 1121 Smith St, Albemarle, NC 28001
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,997 sqft · built 1984 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Jul 2021) |
| Tax Bill | $6,015 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit Sep 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 654904715246 |
| Primary APN | 654904715246 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,997 sqft Finished Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Combination |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 175 ft deep x 212 ft wide |
| Garage Type | Attached |
| Garage Area | 570 sqft |
| Porch | Porch |
| Porch Area | 29 sqft |
| Deck Area | 452 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 1534748 |
|---|---|
| Street Address | 1121 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 1121 SMITH ST LOT 28/PT LOT 29 654919045 |
| Legal Subdivision | MELCHOR HEIGHTS |
| Legal Lot Number | 28-29 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | NORTH ALBEMARLE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 931204 |
1121 Smith St is owned and occupied by two individuals who bought it in July 2021.
Source: Stanly County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2022 | Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK |
| Sep 30, 2022 | Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK |
| Jan 31, 2023 | Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK |
| Jul 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK |
| Jul 10, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 18, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2021 · Amount on File |
| Deed Sale | Jul 21, 2021 · Amount on File |
| Prior Sale | Jul 10, 2020 · Amount on File |
| Deed Document Number | 2021435433 |
| Deed Book / Page | 1749 / 1571 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Document Number | 0000448878 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 1792/524 |
| Instrument | 448878 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | LOCUST, NC 28097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 6, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Document Number | 0000451760 |
|---|---|
| Date | Sep 30, 2022 |
| Book Page | 1801/291 |
| Instrument | 451760 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 29, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Document Number | 0000455019 |
|---|---|
| Date | Jan 31, 2023 |
| Book Page | 1811/890 |
| Instrument | 455019 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jul 21, 2021 |
| Property Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Document Number | 0000435433 |
| Book / Page | 1749 / 1571 |
| Map Reference | MB 6 PG 62 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 435433 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $760.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1059, ALBEMARLE, NC 28002-1059 |
| Name | Verified Name |
|---|---|
| Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Document Number | 0000435434 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 435434 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jul 10, 2020 |
| Property Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Document Number | 0000421540 |
| Book / Page | 001706 / 000230 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 421540 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $734.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1059 ALBEMARLE NC 280021059, ALBEMARLE, NC 28002-1059 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jun 18, 2019 |
| Property Address | 1121 SMITH ST, ALBEMARLE, NC 28001-3050 |
| Document Number | 0000410448 |
| Book / Page | 001672 / 001327 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 410448 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $720.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1059 ALBEMARLE NC 280021059, ALBEMARLE, NC 28002-1059 |
The 2026 property tax bill for 1121 Smith St was $6,015.
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Albemarle City |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,015.00 | $537,074 (-) Land $47,600 Building $489,474 | $537,074 (-) Land $47,600 Building $489,474 |
| 2025 | $6,015.00 | $537,074 Land $47,600 Building $489,474 | $537,074 Land $47,600 Building $489,474 |
| 2023 | $4,903.00 | $401,962 (-) Land $28,127 Building $373,835 | $401,962 (-) Land $28,127 Building $373,835 |
| 2022 | $4,903.00 | $401,962 Land $28,127 Building $373,835 | $401,962 Land $28,127 Building $373,835 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1121 Smith St in Zone X, an area of minimal flood risk.
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 File 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 risk around 1121 Smith 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 | 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.
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 |
| 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.
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 |
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