12878 Austin Rd, Locust, NC 28097 Property Records

Stanly County property record for 12878 Austin Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,624 sqft · built 1977
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on Record
Tax Bill	$1,361 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`558603302563`

Property Details

APN / Parcel Number

Primary APN	`558603302563`
Alternative APNs	`1547042` `10370` `418`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,624 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,014 sqft (1.24 acres)
Garage Type	Attached
Garage Area	783 sqft
Porch	Porch
Porch Area	96 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1547042
Street Address	12878 AUSTIN RD
City	LOCUST
State	NC
Zip	28097-8204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 12878 AUSTIN RD 558600080
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2006
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	12878 AUSTIN RD, LOCUST, NC 28097-8204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FINANCIAL INC
Dec 1, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Apr 16, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Recording Date	Jun 30, 2026
Property Address	12878 AUSTIN RD, LOCUST, NC 28097-8204
Document Number	0000489318
Book / Page	1924 / 1
Instrument Date	Jun 25, 2026
Instrument	2026489318
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	VYLLA TITLE LLC, VYLLA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12878 AUSTIN RD, LOCUST, NC 28097-8204

Mortgage

Document Number	0000489318,
Date	Jun 30, 2026
Book Page	1924/1
Instrument	2026489318

Lender

Name	POINT DIGITAL FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	12878 AUSTIN RD, LOCUST, NC 28097-8204
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	2020 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12878 AUSTIN RD, LOCUST, NC 28097-8204

Mortgage

Document Number	0000483231
Date	Dec 1, 2025
Book Page	1902/214
Instrument	483231

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Apr 16, 2024
Property Address	12878 AUSTIN RD, LOCUST, NC 28097-8204
Document Number	0000467115
Book / Page	1850 / 135
Instrument Date	Apr 11, 2024
Instrument	467115
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 SUNRISE DR, ELIZABETHTON, TN 37643-6464

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12878 AUSTIN RD, LOCUST, NC 28097-8204

Tax Assessment & Valuation

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	$1,361.00	$216,075 (-) Land $43,360 Building $172,715	$216,075 (-) Land $43,360 Building $172,715
2025	$1,361.00 (+182.37%)	$216,075 (+61.7%) Land $43,360 Building $172,715	$216,075 (+61.7%) Land $43,360 Building $172,715
2023	$482.00	$133,629 (-) Land $25,780 Building $107,849	$133,629 (-) Land $25,780 Building $107,849
2022	$482.00	$133,629 Land $25,780 Building $107,849	$133,629 Land $25,780 Building $107,849

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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