20397 Efird Rd, Albemarle, NC 28001 Property Records

Stanly County property record for 20397 Efird Rd, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,222 sqft · built 1972
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Aug 2018)
Tax Bill	$999 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`651604634254`

Property Details

APN / Parcel Number

Primary APN	`651604634254`
Alternative APNs	`1512423` `12309`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,222 sqft Finished Area
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,511 sqft (0.93 acres)
Lot Dimensions	247 ft deep x 139 ft wide
Garage Area	960 sqft
Porch	Porch
Porch Area	20 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1512423
Street Address	20397 EFIRD RD
City	ALBEMARLE
State	NC
Zip	28001-9063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	HSE 20397 EFIRD RD LT 1 651600030
Legal Subdivision	MAPLE ACRES
Legal Lot Number	1
Jurisdiction	STANLY NC
Township / Civil Division	ENDY
Census Block Group	3
Census Block	3026
Census Tract	930700

Owner

20397 Efird Rd is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	20397 EFIRD RD, ALBEMARLE, NC 28001-9063
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Aug 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2018 · Amount on File
Deed Sale	Aug 10, 2018 · Amount on File
Deed Document Number	2018402427
Deed Book / Page	1650 / 1437
Prior Transfer Date	Aug 9, 2018
Prior Transfer Doc	0000402427
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	20397 EFIRD RD, ALBEMARLE, NC 28001-9063
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431274
Date	Apr 5, 2021
Book Page	1737/170
Instrument	431274

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	20397 EFIRD RD, ALBEMARLE, NC 28001-9063
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20397 EFIRD RD, ALBEMARLE, NC 28001-9063

Mortgage

Document Number	0000431275
Date	Apr 5, 2021
Book Page	1737/180
Instrument	431275

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Mar 30, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Aug 10, 2018
Property Address	20397 EFIRD RD, ALBEMARLE, NC 28001-9063
Document Number	0000402427
Book / Page	001650 / 001437
Instrument Date	Aug 9, 2018
Instrument	402427
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Amount	Amount on Record
Tax	$190.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20397 EFIRD RD ALBEMARLE NC 280019063, ALBEMARLE, NC 28001-9063

Tax Assessment & Valuation

The 2026 property tax bill for 20397 Efird Rd was $999.

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	$999.00	$158,652 Land $26,264 Building $132,388	$158,652 Land $26,264 Building $132,388
2023	$734.00	$103,435 Land $14,950 Building $88,485	$103,435 Land $14,950 Building $88,485

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

Flood

FEMA maps place 20397 Efird 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 20397 Efird Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

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