20156 Joes Rd, Locust, NC 28097 Property Records

Stanly County property record for 20156 Joes Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1946
Lot Size	2.26 acres (98,446 sqft)
Owner	Individual Name on File
Last Sale	$103,000 (Feb 2023)
Tax Bill	$1,201 (2026)
Deeds & Mortgages	May 2023 Construction Loan Feb 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`558604913316`

Property Details

APN / Parcel Number

Primary APN	`558604913316`
Alternative APNs	`1554916` `1518840` `24615`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Finished Area
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1955
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	98,446 sqft (2.26 acres)
Garage Type	Attached
Garage Area	364 sqft
Porch	Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1554916
Street Address	20156 JOES RD
City	LOCUST
State	NC
Zip	28097-8307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 20156 JOES RD 558600011
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2011
Census Tract	930801

Owner

20156 Joes Rd is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	20156 JOES RD, LOCUST, NC 28097-8307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

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
May 12, 2023	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Feb 28, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	Sep 28, 2016 · Amount on File
Deed Document Number	2023455699
Deed Book / Page	1813 / 730
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	20156 JOES RD, LOCUST, NC 28097-8307
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9112 KEM ARBOR WAY, CHARLOTTE, NC 28227-8401

Mortgage

Document Number	0000457944
Date	May 12, 2023
Book Page	1820/1115
Instrument	457944

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Feb 28, 2023
Property Address	20156 JOES RD, LOCUST, NC 28097-8307
Document Number	0000455699
Book / Page	1813 / 730
Map Reference	MB 30 PG 195
Instrument Date	Feb 28, 2023
Instrument	455699
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Tax	$206.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20156 JOES RD, LOCUST, NC 28097-8307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9112 KEM ARBOR WAY, MINT HILL, NC 28227-8401

Tax Assessment & Valuation

The 2026 property tax bill for 20156 Joes Rd was $1,201.

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	$1,201.00	$182,065 Land $53,880 Building $128,185	$182,065 Land $53,880 Building $128,185
2023	$953.00	$132,437 (-) Land $63,450 Building $68,987	$132,437 (-) Land $63,450 Building $68,987
2022	$953.00	$132,437 Land $63,450 Building $68,987	$132,437 Land $63,450 Building $68,987

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

Flood

FEMA maps place 20156 Joes 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 20156 Joes 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Joes Rd

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