12018 Oscar Rd, Locust, NC 28097 Property Records

Stanly County property record for 12018 Oscar Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1998
Lot Size	1.36 acres (59,242 sqft)
Owner	2 Individual Names on File
Last Sale	$121,500 (Apr 2005)
Tax Bill	$1,327 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit May 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`558703037065`

Property Details

APN / Parcel Number

Primary APN	`558703037065`
Alternative APNs	`1539362` `8344`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	59,242 sqft (1.36 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Porch	Porch
Porch Area	156 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	1539362
Street Address	12018 OSCAR RD
City	LOCUST
State	NC
Zip	28097-7250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 12018 OSCAR RD 558700068
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	3
Census Block	3002
Census Tract	930801

Owner

12018 Oscar Rd is owned and occupied by two individuals who acquired it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	12018 OSCAR RD, LOCUST, NC 28097-7250
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

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
May 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2005 · Amount on File
Deed Sale	Apr 29, 2005 · Amount on File
Deed Book / Page	1056 / 227
Last Transfer Date	May 12, 2022
Transfer Doc	0000446894
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	12018 OSCAR RD, LOCUST, NC 28097-7250
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12018 OSCAR RD, LOCUST, NC 28097-7250

Mortgage

Document Number	0000452879
Date	Nov 4, 2022
Book Page	1804/1508
Instrument	452879

Lender

Name	UWHARRIE BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 4, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANLY NC
Recording Date	May 13, 2022
Property Address	12018 OSCAR RD, LOCUST, NC 28097-7250
Document Number	0000446894
Book / Page	1786 / 105
Instrument Date	May 12, 2022
Instrument	446894
Transaction Type	Transfer
Record Updated	Oct 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12018 OSCAR RD, LOCUST, NC 28097-7250

Tax Assessment & Valuation

The 2026 property tax bill for 12018 Oscar Rd was $1,327.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,327.00	$201,084 Land $37,180 Building $163,904	$201,084 Land $37,180 Building $163,904
2023	$971.00	$134,874 Land $23,060 Building $111,814	$134,874 Land $23,060 Building $111,814

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

Flood

FEMA maps place 12018 Oscar 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 12018 Oscar 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Windstream.

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