16706 Five Point Rd, Locust, NC 28097 Property Records

Stanly County property record for 16706 Five Point Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,844 sqft · built 1920
Lot Size	3.68 acres (160,301 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,500 (Jun 2014)
Tax Bill	$1,973 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`559702794785`

Property Details

APN / Parcel Number

Primary APN	`559702794785`
Alternative APNs	`1506937` `12852`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,844 sqft Finished Area
Flooring	Covered
Interior Walls	Wood

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	160,301 sqft (3.68 acres)
Garage Area	900 sqft
Porch	Porch
Porch Area	456 sqft
Deck Area	267 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1506937
Street Address	16706 FIVE POINT RD
City	LOCUST
State	NC
Zip	28097-8202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 16706 FIVE POINT RD 559700137
Legal Subdivision	THE PROPERTY OF JEFFREY W HANCOCK
Jurisdiction	STANLY NC
Township / Civil Division	ALMOND
Census Block Group	1
Census Block	1023
Census Tract	930700

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	2 Individual Names on Record
Mailing Address	16706 FIVE POINT RD, LOCUST, NC 28097-8202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2014 · Amount on Record
Deed Sale	Jun 17, 2014 · Amount on Record
Deed Document Number	2014364500
Deed Book / Page	1491 / 458
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	16706 FIVE POINT RD, LOCUST, NC 28097-8202
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000483774
Date	Dec 18, 2025
Book Page	1903/1545
Instrument	483774

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	16706 FIVE POINT RD, LOCUST, NC 28097-8202
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000435732
Date	Jul 28, 2021
Book Page	1750/1283
Instrument	435732

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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	$1,973.00	$298,942 (-) Land $64,480 Building $234,462	$298,942 (-) Land $64,480 Building $234,462
2025	$1,973.00 (+20.38%)	$298,942 (+31.28%) Land $64,480 Building $234,462	$298,942 (+31.28%) Land $64,480 Building $234,462
2023	$1,639.00	$227,708 Land $41,260 Building $186,448	$227,708 Land $41,260 Building $186,448

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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