Stanly County property record for 16327 Substation Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,841 sqft · built 2008 |
| Lot Size | 2.22 acres (96,703 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Jul 2008) |
| Tax Bill | $2,907 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 559703317896 |
| Primary APN | 559703317896 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,841 sqft Finished Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Combination |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 96,703 sqft (2.22 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Porch |
| Porch Area | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 34335 |
|---|---|
| Street Address | 16327 SUBSTATION RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-7286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 16327 SUBSTATION RD LOT 11 559700222 |
| Legal Subdivision | ESTATE OF HENRY GREENE |
| Legal Tract | 11 |
| Legal Lot Number | 11 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 930700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16327 SUBSTATION RD, LOCUST, NC 28097-7286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2008 · Amount on Record |
| Deed Sale | Jul 25, 2008 · Amount on Record |
| Deed Document Number | 2008311401 |
| Deed Book / Page | 1244 / 484 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 16327 SUBSTATION RD, LOCUST, NC 28097-7286 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000441052 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 1767/1137 |
| Instrument | 441052 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,907.00 (+209.26%) | $440,498 (+30.52%) Land $54,700 Building $385,798 | $440,498 (+30.52%) Land $54,700 Building $385,798 |
| 2023 | $940.00 (+1.4%) | $337,489 (-) Land $31,040 Building $306,449 | $337,489 (-) Land $31,040 Building $306,449 |
| 2022 | $927.00 | $337,489 Land $31,040 Building $306,449 | $337,489 Land $31,040 Building $306,449 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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