Stanly County property record for 20120 Coley Store Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,192 sqft · built 1940 |
| Lot Size | 3.09 acres (134,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Jul 2022) |
| Tax Bill | $1,055 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 558501093613 |
| Primary APN | 558501093613 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,192 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Other |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 134,600 sqft (3.09 acres) |
| Garage Area | 672 sqft |
| Porch | Porch |
| Porch Area | 176 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Account Number | 1539643 |
|---|---|
| Street Address | 20120 COLEY STORE RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-7153 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPS |
| Legal Description | HSE 20120 COLEY STORE RD 558500143 |
| Legal Subdivision | RICHARD BOYD BROOKS RLS |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 930801 |
Source: Stanly County records, as of October 9, 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 | 6360 WATERS EDGE DR, MIDLAND, NC 28107-7689 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 25, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage MAGNOLIA BANK |
| Sep 22, 2021 | Deed of Trust, Mortgage · VA Mortgage TEXANA BANK NA |
| Oct 9, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2022 · Amount on Record |
| Deed Sale | Jul 25, 2022 · Amount on Record |
| Deed Document Number | 2022449509 |
| Deed Book / Page | 1794 / 83 |
| Prior Transfer Date | Jan 20, 2015 |
| Prior Transfer Doc | 0000369643 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | May 18, 2026 |
| Property Address | 20120 COLEY STORE RD, LOCUST, NC 28097-7153 |
| Document Number | 0000487906 |
| Book / Page | 1919 / 327 |
| Instrument Date | May 14, 2026 |
| Instrument | 2026487906 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 20120 COLEY STORE RD, LOCUST, NC 28097-7153 |
| Investor | Possibly a Property Investor |
| Document Number | 0000487906, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 1919/327 |
| Instrument | 2026487906 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jul 25, 2022 |
| Property Address | 20120 COLEY STORE RD, LOCUST, NC 28097-7153 |
| Document Number | 0000449509 |
| Book / Page | 1794 / 83 |
| Instrument Date | Jul 22, 2022 |
| Instrument | 449509 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6360 WATERS EDGE DR, MIDLAND, NC 28107-7689 |
| Document Number | 0000449510 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 449510 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 20120 COLEY STORE RD, LOCUST, NC 28097-7153 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000437963 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 1757/1448 |
| Instrument | 437963 |
| Name | TEXANA BANK NA |
|---|---|
| Type | Bank |
| Address | TEXARKANA, TX 75503 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Oct 9, 2020 |
| Property Address | 20120 COLEY STORE RD, LOCUST, NC 28097-7153 |
| Document Number | 0017151645 |
| Book / Page | 001715 / 001645 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $40.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20120 COLEY STORE RD LOCUST NC 280977153, LOCUST, NC 28097-7153 |
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 | $1,055.00 (+16.06%) | $167,483 (+15.98%) Land $69,260 Building $98,223 | $167,483 (+15.98%) Land $69,260 Building $98,223 |
| 2025 | $909.00 (+36.28%) | $144,410 (+57.92%) Land $69,260 Building $75,150 | $144,410 (+57.92%) Land $69,260 Building $75,150 |
| 2023 | $667.00 | $91,445 Land $43,355 Building $48,090 | $91,445 Land $43,355 Building $48,090 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
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