Stanly County property record for 12908 Austin Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,204 sqft · built 1973 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Dec 2023) |
| Tax Bill | $1,163 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Dec 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 558603305526 |
| Primary APN | 558603305526 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,204 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Plywood |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,124 sqft (0.99 acres) |
| Garage Area | 784 sqft |
| Porch | Porch |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 1545720 |
|---|---|
| Street Address | 12908 AUSTIN RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-8206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 12908 AUSTIN RD 558600048 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 930801 |
Source: Stanly County records · APN 558603305526
Assessment roll updated August 29, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 12908 AUSTIN RD, LOCUST, NC 28097-8206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Dec 01, 2023 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 09, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 01, 2023 · Amount on Record |
| Deed Sale | Dec 01, 2023 · Amount on Record |
| Prior Sale | Jul 09, 2019 · Amount on Record |
| Deed Document Number | 2023463739 |
| Deed Book / Page | 1839 / 65 |
| Prior Transfer Date | Jun 22, 2006 |
| Prior Transfer Doc | 0011280018 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 12908 AUSTIN RD, LOCUST, NC 28097-8206 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000456314 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | 1815/806 |
| Instrument | 456314 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Dec 01, 2023 |
| Property Address | 12908 AUSTIN RD, LOCUST, NC 28097-8206 |
| Document Number | 0000463739 |
| Book / Page | 1839 / 65 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 463739 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Title Company | MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1994 PLANK RD, NORWOOD, NC 28128-7818 |
| Name | Verified Name |
|---|---|
| Address | 12908 AUSTIN RD, LOCUST, NC 28097-8206 |
| Document Number | 0000463740 |
|---|---|
| Date | Dec 01, 2023 |
| Instrument | 463740 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jul 09, 2019 |
| Property Address | 12908 AUSTIN RD, LOCUST, NC 28097-8206 |
| Document Number | 0000411006 |
| Book / Page | 001674 / 000941 |
| Instrument Date | Jun 29, 2019 |
| Instrument | 411006 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $36.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12908 AUSTIN RD LOCUST NC 280978206, LOCUST, NC 28097-8206 |
Source: Stanly County records · Assessment roll updated August 29, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,163.00 (-20.72%) | $184,702 (+66.33%) Land $39,996 Building $144,706 | $184,702 (+66.33%) Land $39,996 Building $144,706 |
| 2023 | $1,467.00 | $111,046 (-) Land $23,497 Building $87,549 | $111,046 (-) Land $23,497 Building $87,549 |
| 2022 | $1,467.00 | $111,046 Land $23,497 Building $87,549 | $111,046 Land $23,497 Building $87,549 |
Source: FEMA National Flood Hazard Layer as of May 30, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Uniti Group.
Based on FCC filings for 18 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | STANLY CO-WEST STANLY DIST serves 9,939 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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