17392 Pond Rd, Locust, NC 28097 Property Records

Stanly County property record for 17392 Pond Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1959
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,417 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`558501197320`

Property Details

APN / Parcel Number

Primary APN	`558501197320`
Alternative APNs	`1535774` `8552`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,384 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1973
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Porch	Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1535774
Street Address	17392 POND RD
City	LOCUST
State	NC
Zip	28097-8349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 17392 POND RD 558500145
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2004
Census Tract	930801

Owner

17392 Pond Rd is owned and occupied by two individuals who acquired it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	17392 POND RD, LOCUST, NC 28097-8349
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 22, 2023	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Oct 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 27, 2021
Transfer Doc	0000438388
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	17392 POND RD, LOCUST, NC 28097-8349
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17392 POND RD, LOCUST, NC 28097-8349

Mortgage

Document Number	0000463546
Date	Nov 22, 2023
Book Page	1838/538
Instrument	463546

Lender

Name	COGENT BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 8, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANLY NC
Recording Date	Oct 1, 2021
Property Address	17392 POND RD, LOCUST, NC 28097-8349
Document Number	0000438388
Book / Page	1759 / 657
Instrument Date	Sep 27, 2021
Instrument	438388
Transaction Type	Transfer
Record Updated	Jan 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17392 POND RD, LOCUST, NC 28097-8349

Mortgage

Document Number	0000438389
Date	Oct 1, 2021
Instrument	438389

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 17392 Pond Rd was $1,417.

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	$1,417.00	$224,966 (-) Land $54,000 Building $170,966	$224,966 (-) Land $54,000 Building $170,966
2025	$1,417.00	$224,966 Land $54,000 Building $170,966	$224,966 Land $54,000 Building $170,966
2023	$1,001.00	$137,168 Land $33,000 Building $104,168	$137,168 Land $33,000 Building $104,168

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 17392 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 17392 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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

May also be available: Windstream.

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