Stanly County property record for 1205 Main St W, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1953 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,016 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 556504907406 |
| Primary APN | 556504907406 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,008 sqft Finished Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Other |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 149 ft deep x 100 ft wide |
| Garage Area | 168 sqft |
| Porch | Porch |
| Porch Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 1505776 |
|---|---|
| Street Address | 1205 MAIN ST W |
| City | LOCUST |
| State | NC |
| Zip | 28097-8734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HC |
| Legal Description | HSE 1205 W MAIN ST 556504114 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 930801 |
1205 Main St W is owned by two individuals who acquired it in November 2013.
Source: Stanly County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1207 MAIN ST W, LOCUST, NC 28097-8734 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 4, 2013 |
| Transfer Doc | 0000359820 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 1205 MAIN ST W, LOCUST, NC 28097-8734 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000442713 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 1772/1455 |
| Instrument | 442713 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2026 property tax bill for 1205 Main St W was $1,016.
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Locust City |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,016.00 | $110,454 Land $30,000 Building $80,454 | $110,454 Land $30,000 Building $80,454 |
| 2023 | $830.00 | $76,178 Land $18,000 Building $58,178 | $76,178 Land $18,000 Building $58,178 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1205 Main St W 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 risk around 1205 Main St W 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 | Direct burnable vegetation |
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 | STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035 |
|---|---|
| Water Source | Purchased surface water from CITY OF ALBEMARLE |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 78 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile, Windstream.
5G (outdoors only) and 4G LTE
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