Stanly County property record for 20118 Joes Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,251 sqft · built 2018 |
| Lot Size | 6.46 acres (281,398 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,197 (2026) |
| Deeds & Mortgages | Aug 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 558604914052 |
| Primary APN | 558604914052 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,251 sqft Finished Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 281,398 sqft (6.46 acres) |
| Garage Area | 650 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1518811 |
|---|---|
| Street Address | 20118 JOES RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-8307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 20118 JOES RD LOT 2 558604013 |
| Legal Subdivision | CURTIS E TUVCKER |
| Legal Lot Number | 2 |
| 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 | 20118 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 | Loan Modification |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 20118 JOES RD, LOCUST, NC 28097-8307 |
| Document Number | 0000412439 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20118 JOES RD LOCUST NC 28097, LOCUST, NC 28097 |
| Document Number | 0000412439 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 001678/000934 |
| Instrument | 412439 |
| Name | FIRST BK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 26, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
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 | $3,197.00 (+23.96%) | $484,537 (+35.25%) Land $108,020 Building $376,517 | $484,537 (+35.25%) Land $108,020 Building $376,517 |
| 2023 | $2,579.00 | $358,259 Land $69,795 Building $288,464 | $358,259 Land $69,795 Building $288,464 |
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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