Stanly County property record for 20457 Ridgecrest Rd, Locust, NC 28097 · Last verified October 2023
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 2022 |
| Square Footage | 1,872 sqft Finished Area |
| Lot Size | 65,340 sqft (1.5 acres) |
| Last Sale | $50,000 (2022) |
| Tax Bill | $914.00 (2023) |
| Primary APN | 559604943423 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,872 sqft Finished Area |
|---|---|
| Stories | 1 Stories |
| Year Built | Built 2022 |
|---|---|
| Lot Area | 65,340 sqft (1.5 acres) |
| Account Number | 1538988 |
|---|---|
| Street Address | 20457 RIDGECREST RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-8352 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HSE 20457 RIDGECREST RD LOT 2 559604008 |
| Legal Lot Number | 2 |
| Jurisdiction | STANLY NC |
| Minor Civil Division | BIG LICK |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 930700 |
Source: Stanly County records · APN 559604943423
Assessment roll updated January 1, 2023 · Last verified October 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2204 OLD PEACHLAND RD, MARSHVILLE, NC 28103-7526 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 18, 2025 | Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK |
| Jul 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK |
| Jun 07, 2022 | Warranty Deed, Transfer · Line of Credit UWHARRIE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 07, 2022 · Amount on Record |
| Deed Sale | Jun 07, 2022 · Amount on Record |
| Deed Doc Number | 0001789241 |
| Deed Book / Page | 1789 / 241 |
| Record Refreshed | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 20457 RIDGECREST RD, LOCUST, NC 28097-8352 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 20457 RIDGECREST RD, LOCUST, NC 28097-8352 |
| Document Number | 0000480167 |
|---|---|
| Date | Aug 18, 2025 |
| Book Page | 1891/998 |
| Instrument | 480167 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | LOCUST, NC 28097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 20457 RIDGECREST RD, LOCUST, NC 28097-8352 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000460109 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 1827/843 |
| Instrument | 460109 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 10, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.4% |
| Type Change Date | Feb 10, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 4.4% |
| Max Rate At Change | 6.4% |
| Index | 1-Year CMT |
| Margin | 1 |
| Max Rate | 11.4% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jun 07, 2022 |
| Property Address | 20457 RIDGECREST RD, LOCUST, NC 28097-8352 |
| Document Number | 0000447817 |
| Book / Page | 1789 / 241 |
| Instrument Date | May 11, 2022 |
| Instrument | 447817 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21843 JOY RD, LOCUST, NC 28097-8312 |
| Name | Verified Name |
|---|---|
| Address | 2204 OLD PEACHLAND RD, MARSHVILLE, NC 28103-7526 |
| Document Number | 0000448361 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 1790/1163 |
| Instrument | 448361 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 21, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Stanly County records · Assessment roll updated January 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $914.00 | $126,982 Land $25,250 Building $101,732 | $126,982 Land $25,250 Building $101,732 |
Source: FEMA National Flood Hazard Layer, Stanly County (37167C), updated May 30, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 8,333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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