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17090 Pond Rd, Locust, NC 28097 Property Records

Stanly County property record for 17090 Pond Rd, Locust, NC 28097

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,534 sqft · built 2018
Lot Size0.43 acres (18,731 sqft)
OwnerIndividual Name on Record
Last Sale$335,000 (May 2023)
Tax Bill$1,705 (2026)
Deeds & MortgagesMay 2023 Sale & Mortgage
Dec 2019 Loan Modification
+ 3 more
Flood ZoneZone X (minimal risk)
APN558501251648

Property Details

APN / Parcel Number

Primary APN558501251648
Alternative APNs
  • 1522276
  • 1543427
  • 4237

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,534 sqft Finished Area
FlooringTile
Interior WallsPlywood

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialBrick Veneer
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area18,731 sqft (0.43 acres)
Garage TypeAttached
Garage Area532 sqft
PorchPorch
Porch Area90 sqft
Deck Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric
SewerSeptic

Location & Zoning

Account Number1543427
Street Address17090 POND RD
CityLOCUST
StateNC
Zip28097-8346
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPS
Legal DescriptionHSE 17090 POND RD LOT 2 558500131
Legal SubdivisionVICTORY LANE HOME SOLUTIONS
Legal Lot Number2
JurisdictionSTANLY NC
Township / Civil DivisionFURR
Census Block Group2
Census Block2004
Census Tract930801

Owner

Source: Stanly County records, as of October 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address17090 POND RD, LOCUST, NC 28097-8346
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 22, 2023Warranty Deed, Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Dec 19, 2019Loan Modification, Mortgage · FHA Mortgage
PENNYMAC
Aug 16, 2019Warranty Deed, Subdivision Related Transfer
ATTORNEY ONLY
Mar 28, 2018Warranty Deed, Transfer
ATTORNEY ONLY
May 5, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 22, 2023 · Amount on Record
Deed SaleMay 22, 2023 · Amount on Record
Prior SaleFeb 19, 2019 · Amount on Record
Deed Document Number2023458196
Deed Book / Page1821 / 823
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateMay 22, 2023
Property Address17090 POND RD, LOCUST, NC 28097-8346
Document Number0000458196
Book / Page1821 / 823
Map ReferenceMB 25 PG 166
Instrument DateMay 22, 2023
Instrument458196
Transaction TypeTransfer
Record UpdatedAug 15, 2023
Title CompanyINVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$670.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9700 REED MINE RD, MIDLAND, NC 28107-9674

Transferred To (Grantee/Buyer)

NameVerified Name
Address17090 POND RD, LOCUST, NC 28097-8346

Mortgage

Document Number0000458197
DateMay 22, 2023
Instrument458197
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2053

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSTANLY NC
Property Address17090 POND RD, LOCUST, NC 28097-8346
Document Number0000430366
Instrument DateDec 19, 2019
Transaction TypeMortgage
Record UpdatedApr 5, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address17090 POND RD LOCUST NC 280978346, LOCUST, NC 28097-8346

Mortgage

Document Number0000430366
DateMar 15, 2021
Book Page001734/000258
Instrument430366
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 14, 2051
Interest
Rate TypeFixed Rate
Rate3.5%

August 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateAug 16, 2019
Property Address17090 POND RD, LOCUST, NC 28097-8346
Document Number0000412158
Book / Page001677 / 001195
Instrument DateAug 16, 2019
Instrument412158
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 2, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$458.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7040 NAPTON CT CHARLOTTE NC 282132154, CHARLOTTE, NC 28213-2154

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateMar 28, 2018
Property Address17090 POND RD, LOCUST, NC 28097-8346
Document Number0000398812
Book / Page001640 / 001173
Instrument DateMar 27, 2018
Instrument398812
Transaction TypeTransfer
Record UpdatedApr 11, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$431.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2223 KIRKGATE LN CHARLOTTE NC 282157810, CHARLOTTE, NC 28215-7810

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateMay 5, 2017
Property Address17090 POND RD, LOCUST, NC 28097-8346
Document Number0000390372
Book / Page001608 / 000116
Instrument DateMay 4, 2017
Instrument390372
Transaction TypeTransfer
Record UpdatedMay 11, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$70.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address19558 RIDGEWOOD CT ALBEMARLE NC 280016420, ALBEMARLE, NC 28001-6420

Tax Assessment & Valuation

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyStanly County
Unified School DistrictStanly County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,705.00 (+12.39%)$270,739 (+30.2%) Land $27,520 Building $243,219$270,739 (+30.2%) Land $27,520 Building $243,219
2023$1,517.00 (+1.34%)$207,933 (-) Land $16,168 Building $191,765$207,933 (-) Land $16,168 Building $191,765
2022$1,497.00$207,933 Land $16,168 Building $191,765$207,933 Land $16,168 Building $191,765

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 23 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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