17385 Pond Rd, Locust, NC 28097 Property Records

Stanly County property record for 17385 Pond Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,472 sqft · built 1971
Lot Size	8.01 acres (348,916 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Oct 2025)
Tax Bill	$2,813 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`558501190252`

Property Details

APN / Parcel Number

Primary APN	`558501190252`
Alternative APNs	`1552835` `1515425` `22593`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,472 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1981
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	348,916 sqft (8.01 acres)
Garage Area	384 sqft
Porch	Porch
Porch Area	710 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	1552835
Street Address	17385 POND RD
City	LOCUST
State	NC
Zip	28097-8349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPS
Legal Description	HSE 17385 POND RD 558500149
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2002
Census Tract	930801

Owner

17385 Pond Rd is owned and occupied by two individuals who bought it in October 2025.

Source: Stanly County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	17385 POND RD, LOCUST, NC 28097-8349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Oct 1, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on File
Deed Sale	Oct 1, 2025 · Amount on File
Prior Sale	Nov 30, 2016 · Amount on File
Deed Document Number	2025481552
Deed Book / Page	1896 / 335
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	17385 POND RD, LOCUST, NC 28097-8349
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17385 POND RD, LOCUST, NC 28097-8349

Mortgage

Document Number	0000461319
Date	Sep 7, 2023
Book Page	1831/850
Instrument	461319

Lender

Name	PINNACLE BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Aug 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Oct 1, 2025
Property Address	17385 POND RD, LOCUST, NC 28097-8349
Document Number	0000481552
Book / Page	1896 / 335
Instrument Date	Oct 1, 2025
Instrument	481552
Transaction Type	Transfer
Record Updated	Feb 2, 2026
Title Company	CROWN TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 TROTT ST, OAK ISLAND, NC 28465-8013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17385 POND RD, LOCUST, NC 28097-8349
Investor	Possibly a Property Investor

Mortgage

Document Number	0000481553
Date	Oct 1, 2025
Instrument	481553

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 17385 Pond Rd was $2,813, up 1.4% from the year before.

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	$2,813.00 (+1.41%)	$446,570 (+1.39%) Land $136,130 Building $310,440	$446,570 (+1.39%) Land $136,130 Building $310,440
2025	$2,774.00	$440,450 Land $136,130 Building $304,320	$440,450 Land $136,130 Building $304,320
2023	$2,295.00	$314,501 Land $89,592 Building $224,909	$314,501 Land $89,592 Building $224,909

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 17385 Pond Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 17385 Pond Rd is low, with a 0.02% annual chance of 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	0.02% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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