Stanly County property record for 16574 Five Point Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,650 sqft · built 1997 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $510,000 (Mar 2024) |
| Tax Bill | $2,413 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 559702690819 |
| Primary APN | 559702690819 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,650 sqft Finished Area |
| Basement Area | 1,154 sqft |
| Unfinished Basement | 1,154 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Porch |
| Porch Area | 180 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 1546769 |
|---|---|
| Street Address | 16574 FIVE POINT RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-8295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 16574 FIVE POINT RD 559700198 |
| Legal Subdivision | MICHAEL THOMPSON |
| Jurisdiction | STANLY NC |
| Township / Civil Division | ALMOND |
| Census Block Group | 1 |
| Census Block | 1023 |
| 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 | 16574 FIVE POINT RD, LOCUST, NC 28097-8295 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit UWHARRIE MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2024 · Amount on Record |
| Deed Sale | Mar 25, 2024 · Amount on Record |
| Deed Document Number | 2024466444 |
| Deed Book / Page | 1847 / 1600 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 16574 FIVE POINT RD, LOCUST, NC 28097-8295 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16574 FIVE POINT RD, LOCUST, NC 28097-8295 |
| Document Number | 0000484926 |
|---|---|
| Date | Feb 6, 2026 |
| Book Page | 1908/1327 |
| Instrument | 484926 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 16574 FIVE POINT RD, LOCUST, NC 28097-8295 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16574 FIVE POINT RD, LOCUST, NC 28097-8295 |
| Document Number | 0000452726 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 1804/774 |
| Instrument | 452726 |
| Name | UWHARRIE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ALBEMARLE, NC 28002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 27, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,413.00 | $365,664 (-) Land $57,000 Building $308,664 | $365,664 (-) Land $57,000 Building $308,664 |
| 2025 | $2,413.00 (+55.28%) | $365,664 (+69.41%) Land $57,000 Building $308,664 | $365,664 (+69.41%) Land $57,000 Building $308,664 |
| 2023 | $1,554.00 (+479.85%) | $215,851 (-) Land $36,500 Building $179,351 | $215,851 (-) Land $36,500 Building $179,351 |
| 2022 | $268.00 | $215,851 Land $36,500 Building $179,351 | $215,851 Land $36,500 Building $179,351 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL | 100 / 20 |
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