Stanly County property record for 20108 Joes Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,548 sqft · built 1978 |
| Lot Size | 2.62 acres (114,127 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,336 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 558604901743 |
| Primary APN | 558604901743 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,548 sqft Finished Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 114,127 sqft (2.62 acres) |
| Porch | Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 29040 |
|---|---|
| Street Address | 20108 JOES RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-8307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 20108 JOES RD 558600009 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 930801 |
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 | 20108 JOES RD, LOCUST, NC 28097-8307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 20108 JOES RD, LOCUST, NC 28097-8307 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000435895 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 1751/547 |
| Instrument | 435895 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,336.00 (+1,306.32%) | $202,492 (+48.01%) Land $58,560 Building $143,932 | $202,492 (+48.01%) Land $58,560 Building $143,932 |
| 2023 | $95.00 | $136,814 (-) Land $37,270 Building $99,544 | $136,814 (-) Land $37,270 Building $99,544 |
| 2022 | $95.00 | $136,814 Land $37,270 Building $99,544 | $136,814 Land $37,270 Building $99,544 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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