18428 Gaddis Rd, Oakboro, NC 28129 Property Records

Stanly County property record for 18428 Gaddis Rd, Oakboro, NC 28129

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,872 sqft · built 1965
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on File
Last Sale	$332,000 (Jul 2023)
Tax Bill	$1,944 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`559502980686`

Property Details

APN / Parcel Number

Primary APN	`559502980686`
Alternative APNs	`1543960` `1521960` `31225`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,872 sqft Finished Area
Basement Area	624 sqft
Finished Basement	624 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	117,612 sqft (2.7 acres)
Garage Area	684 sqft
Porch	Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1543960
Street Address	18428 GADDIS RD
City	OAKBORO
State	NC
Zip	28129-9435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	HSE 18428 GADDIS RD 559500206
Jurisdiction	STANLY NC
Township / Civil Division	BIG LICK
Census Block Group	3
Census Block	3010
Census Tract	930902

Owner

18428 Gaddis Rd is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	18428 GADDIS RD, OAKBORO, NC 28129-9435
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
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 2, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Oct 2, 2018 · Amount on File
Deed Document Number	2023459720
Deed Book / Page	1826 / 363
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	18428 GADDIS RD, OAKBORO, NC 28129-9435
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18428 GADDIS RD, OAKBORO, NC 28129-9435

Mortgage

Document Number	0000484062
Date	Dec 30, 2025
Book Page	1904/1604
Instrument	484062

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jul 14, 2023
Property Address	18428 GADDIS RD, OAKBORO, NC 28129-9435
Document Number	0000459720
Book / Page	1826 / 363
Instrument Date	Jul 14, 2023
Instrument	459720
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$664.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3315 N DAVIDSON ST APT 230, 230, CHARLOTTE, NC 28205-1785

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18428 GADDIS RD, OAKBORO, NC 28129-9435

Mortgage

Document Number	0000459721
Date	Jul 14, 2023
Instrument	459721

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	18428 GADDIS RD, OAKBORO, NC 28129-9435
Transaction Type	Mortgage
Record Updated	Oct 13, 2022
Title Company	ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000449422
Date	Jul 22, 2022
Book Page	1793/1364
Instrument	449422

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 25, 2042

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	18428 GADDIS RD, OAKBORO, NC 28129-9435
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000436285
Date	Aug 11, 2021
Book Page	1752/893
Instrument	436285

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Oct 2, 2018
Property Address	18428 GADDIS RD, OAKBORO, NC 28129-9435
Document Number	0000403819
Book / Page	001654 / 001161
Instrument Date	Oct 2, 2018
Instrument	403819
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$382.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18428 GADDIS RD OAKBORO NC 281299435, OAKBORO, NC 28129-9435

Tax Assessment & Valuation

The 2026 property tax bill for 18428 Gaddis Rd was $1,944.

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	$1,944.00	$294,671 (-) Land $53,700 Building $240,971	$294,671 (-) Land $53,700 Building $240,971
2025	$1,944.00	$294,671 Land $53,700 Building $240,971	$294,671 Land $53,700 Building $240,971
2023	$1,421.00	$197,456 Land $34,250 Building $163,206	$197,456 Land $34,250 Building $163,206

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

Flood

FEMA maps place 18428 Gaddis Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 30, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 18428 Gaddis Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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