20193 Joes Rd, Locust, NC 28097 Property Records

Stanly County property record for 20193 Joes Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,394 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Aug 2019)
Tax Bill	$1,623 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`558604922050`

Property Details

APN / Parcel Number

Primary APN	`558604922050`
Alternative APNs	`1530123` `31346`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,394 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Porch
Porch Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	1530123
Street Address	20193 JOES RD
City	LOCUST
State	NC
Zip	28097-8308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 20193 JOES RD 558600085
Legal Subdivision	PROPERTY OF NELLIE H HUNEYCUTT
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2007
Census Tract	930801

Owner

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	20193 JOES RD, LOCUST, NC 28097-8308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE CAPITAL
Mar 29, 2023	Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Aug 9, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2019 · Amount on Record
Deed Sale	Aug 9, 2019 · Amount on Record
Deed Document Number	2019411922
Deed Book / Page	1677 / 57
Prior Transfer Date	Jun 6, 2019
Prior Transfer Doc	0000411922
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Recording Date	Jul 17, 2026
Property Address	20193 JOES RD, LOCUST, NC 28097-8308
Document Number	0000489863
Book / Page	1925 / 1411
Instrument Date	Jul 13, 2026
Instrument	2026489863
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	LIBERTY TITLE AND ESCROW, LIBERTY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20193 JOES RD, LOCUST, NC 28097-8308

Mortgage

Document Number	0000489863,
Date	Jul 17, 2026
Book Page	1925/1411
Instrument	2026489863

Lender

Name	MORTGAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	20193 JOES RD, LOCUST, NC 28097-8308
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000456571
Date	Mar 29, 2023
Book Page	1816/450
Instrument	456571

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	STANLY NC
Recording Date	Aug 9, 2019
Property Address	20193 JOES RD, LOCUST, NC 28097-8308
Document Number	0000411922
Book / Page	001677 / 000057
Instrument Date	Mar 12, 2019
Instrument	411922
Transaction Type	Foreclosure
Record Updated	Aug 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$310.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 DOGWOOD CIR LOCUST NC 280977174, LOCUST, NC 28097-7174

Tax Assessment & Valuation

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	$1,623.00	$246,022 (-) Land $37,500 Building $208,522	$246,022 (-) Land $37,500 Building $208,522
2025	$1,623.00 (+39.91%)	$246,022 (+52.59%) Land $37,500 Building $208,522	$246,022 (+52.59%) Land $37,500 Building $208,522
2023	$1,160.00	$161,230 Land $23,500 Building $137,730	$161,230 Land $23,500 Building $137,730

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

Flood

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

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

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