1. Home
  2. North Carolina
  3. Stanly County
  4. Albemarle
  5. Ridge St

1221 Ridge St, Albemarle, NC 28001 Property Records

Stanly County property record for 1221 Ridge St, Albemarle, NC 28001

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,817 sqft · built 2022
Lot Size0.38 acres (16,553 sqft)
Owner2 Individual Names on File
Last Sale$300,000 (Nov 2023)
Tax Bill$3,194 (2026)
Deeds & MortgagesNov 2025 Mortgage
Mar 2025 Transfer
+ 4 more
Flood ZoneZone X (minimal risk)
APN654904815110

Property Details

APN / Parcel Number

Primary APN654904815110
Alternative APNs
  • 1536356
  • 1536687
  • 1550823
  • 15511

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,817 sqft Finished Area

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialAluminum/Vinyl
Lot Area16,553 sqft (0.38 acres)
Garage TypeAttached
Garage Area441 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number1550823
Street Address1221 RIDGE ST
CityALBEMARLE
StateNC
Zip28001-9571
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-10
Legal DescriptionHSE 1221 RIDGE ST LT 18 M HGHTS EXT 2 654920070
Legal SubdivisionMELCHOR HEIGHTS
Legal Lot Number18
JurisdictionSTANLY NC
Township / Civil DivisionNORTH ALBEMARLE
Census Block Group2
Census Block2000
Census Tract931204

Owner

1221 Ridge St is owned and occupied by two individuals who acquired it in March 2025.

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

Owner of Record2 Individual Names on File
Mailing Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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

DateDocument
Nov 25, 2025Deed of Trust, Mortgage · VA Mortgage
IMPERIUM LENDING LLC
Mar 31, 2025Intrafamily Transfer, Transfer
Nov 20, 2023Special Warranty Deed, Transfer · VA Mortgage
CROSSCOUNTRY MORTGAGE LLC
May 27, 2022Quit Claim Deed, Transfer
Quitclaim
May 31, 2022Warranty Deed, Transfer
Mar 24, 2022Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 20, 2023 · Amount on File
Deed SaleNov 20, 2023 · Amount on File
Prior SaleMay 31, 2022 · Amount on File
Deed Document Number2023463496
Deed Book / Page1838 / 296
Last Transfer DateMar 20, 2025
Transfer Doc0000476404
Record UpdatedOct 29, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTANLY NC
Property Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
Transaction TypeMortgage
Record UpdatedFeb 2, 2026
Title CompanyFAITH TITLE AND ESCROW INC, FIRST TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
InvestorPossibly a Property Investor

Mortgage

Document Number0000483164
DateNov 25, 2025
Book Page1901/1478
Instrument483164
Lender
NameIMPERIUM LENDING LLC
TypeMortgage Company
AddressTROY, MI 48084
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2055

March 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSTANLY NC
Recording DateMar 31, 2025
Property Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
Document Number0000476404
Book / Page1879 / 375
Map ReferenceMB 13 PG 64
Instrument DateMar 20, 2025
Instrument476404
Transaction TypeTransfer
Record UpdatedJan 15, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
InvestorPossibly a Property Investor

November 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionSTANLY NC
Recording DateNov 20, 2023
Property Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
Document Number0000463496
Book / Page1838 / 296
Map ReferenceMB 13 PG 64
Instrument DateNov 8, 2023
Instrument463496
Transaction TypeTransfer
Record UpdatedJan 15, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$600.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6549 MOREHEAD RD, HARRISBURG, NC 28075-8492

Transferred To (Grantee/Buyer)

NameVerified Name
Address221 RIDGE ST, ALBEMARLE, NC 28001
InvestorPossibly a Property Investor

Mortgage

Document Number0000463497
DateNov 20, 2023
Instrument463497
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2053

May 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSTANLY NC
Recording DateMay 27, 2022
Property Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
Document Number0000447508
Book / Page1788 / 58
Map ReferenceMB 13 PG 64
Instrument DateMay 13, 2022
Instrument447508
Transaction TypeTransfer
Record UpdatedJan 15, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6549 MOREHEAD RD, HARRISBURG, NC 28075-8492

Transferred To (Grantee/Buyer)

NameVerified Name
Address6549 MOREHEAD RD, HARRISBURG, NC 28075-8492
InvestorPossibly a Property Investor

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateMay 31, 2022
Property Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
Document Number0000447531
Book / Page1788 / 218
Map ReferenceMB 13 PG 64
Instrument DateMay 13, 2022
Instrument447531
Transaction TypeTransfer
Record UpdatedJan 15, 2026

Transaction

AmountAmount on Record
Tax$320.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6549 MOREHEAD RD, HARRISBURG, NC 28075-8492

Transferred To (Grantee/Buyer)

NameVerified Name
Address6549 MOREHEAD RD, HARRISBURG, NC 28075-8492
InvestorPossibly a Property Investor

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateMar 24, 2022
Property Address1221 RIDGE ST, ALBEMARLE, NC 28001-9571
Document Number0000444989
Book / Page1779 / 1611
Map ReferenceMB 13 PG 64
Instrument DateMar 24, 2022
Instrument444989
Transaction TypeTransfer
Record UpdatedJan 15, 2026

Transaction

AmountAmount on Record
Tax$60.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6549 MOREHEAD RD, HARRISBURG, NC 28075-8492
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 1221 Ridge St was $3,194.

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

Property Jurisdictions

TypeName
StateNorth Carolina
MunicipalityAlbemarle City
CountyStanly County
Unified School DistrictStanly County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,194.00$285,226 (-) Land $35,321 Building $249,905$285,226 (-) Land $35,321 Building $249,905
2025$3,194.00$285,226 Land $35,321 Building $249,905$285,226 Land $35,321 Building $249,905
2023$1,199.00$98,294 Land $20,871 Building $77,423$98,294 Land $20,871 Building $77,423

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1221 Ridge 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 10 policies
Nearby Flood Policies10 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

Wildfire risk around 1221 Ridge 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF ALBEMARLE
serves 17,506 people · EPA ID NC0184010
Water SourceSurface water
Last State InspectionAug 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 103 locations within half a mile, as of December 31, 2025

ProviderMax 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

Nearby Properties on Ridge St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures