118 Main St W, Locust, NC 28097 Property Records

Stanly County property record for 118 Main St W, Locust, NC 28097

Property Summary

Property Type	Restaurant
Details	2 ba · 3,724 sqft · built 1969
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Tax Bill	$5,786 (2026)
Deeds & Mortgages	Oct 2017 Loan Modification Oct 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`557503421731`

Property Details

APN / Parcel Number

Primary APN	`557503421731`
Alternative APNs	`1503854` `19595`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,724 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.57 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1503854
Street Address	118 MAIN ST W
City	LOCUST
State	NC
Zip	28097-7703
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	HC
Legal Description	BLDG 118 W MAIN ST DBA SUNRISE GRILL 557503137
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1029
Census Tract	930801

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	Individual Name on Record
Mailing Address	PO BOX 700, LOCUST, NC 28097-0700
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2017	Loan Modification, Mortgage UWHARRIE BK
Oct 20, 2017	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANLY NC
Property Address	118 MAIN ST W, LOCUST, NC 28097-7703
Document Number	0000395306
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 8, 2017
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 700 LOCUST NC 280970700, LOCUST, NC 28097-0700

Mortgage

Document Number	0000395306
Date	Oct 31, 2017
Book Page	001629/000360
Instrument	395306

Lender

Name	UWHARRIE BK
Type	Bank
Address	ALBEMARLE, NC 28002-0338

Agreement

Amount	Amount Recorded

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANLY NC
Property Address	118 MAIN ST W, LOCUST, NC 28097-7703
Document Number	0000395256
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 700 LOCUST NC 280970700, LOCUST, NC 28097-0700

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,786.00 (+14.28%)	$628,949 (+35.39%) Land $281,295 Building $347,654	$628,949 (+35.39%) Land $281,295 Building $347,654
2023	$5,063.00	$464,548 Land $208,962 Building $255,586	$464,548 Land $208,962 Building $255,586

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

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

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	STANFIELD #3-POLK FORD/RENEE FORD serves 854 people · EPA ID NC2084008
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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