20459 Coley Store Rd, Locust, NC 28097 Property Records

Stanly County property record for 20459 Coley Store Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,968 sqft · built 1972
Lot Size	2.09 acres (91,040 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Dec 2023)
Tax Bill	$1,498 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`558603133787`

Property Details

APN / Parcel Number

Primary APN	`558603133787`
Alternative APNs	`1545919` `12154` `2505`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,968 sqft Finished Area
Flooring	Tile
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	91,040 sqft (2.09 acres)
Garage Area	640 sqft
Porch	Porch
Porch Area	230 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1545919
Street Address	20459 COLEY STORE RD
City	LOCUST
State	NC
Zip	28097-7157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 20459 COLEY STORE RD 558600129
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	3
Census Block	3005
Census Tract	930801

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	20459 COLEY STORE RD, LOCUST, NC 28097-7157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Dec 21, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2023 · Amount on Record
Deed Sale	Dec 21, 2023 · Amount on Record
Deed Document Number	2023464225
Deed Book / Page	1840 / 1000
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	20459 COLEY STORE RD, LOCUST, NC 28097-7157
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20459 COLEY STORE RD, LOCUST, NC 28097-7157

Mortgage

Document Number	0000485225
Date	Feb 18, 2026
Book Page	1909/1284
Instrument	485225

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Dec 21, 2023
Property Address	20459 COLEY STORE RD, LOCUST, NC 28097-7157
Document Number	0000464225
Book / Page	1840 / 1000
Map Reference	MB 5 PG 257
Instrument Date	Dec 21, 2023
Instrument	464225
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 OAKWOOD AVE, KANNAPOLIS, NC 28081-9452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20459 COLEY STORE RD, LOCUST, NC 28097-7157

Mortgage

Document Number	0000464226
Date	Dec 21, 2023
Instrument	464226

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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	$1,498.00	$237,874 (-) Land $46,670 Building $191,204	$237,874 (-) Land $46,670 Building $191,204
2025	$1,498.00 (+44.32%)	$237,874 (+67.18%) Land $46,670 Building $191,204	$237,874 (+67.18%) Land $46,670 Building $191,204
2023	$1,038.00	$142,284 Land $29,265 Building $113,019	$142,284 Land $29,265 Building $113,019

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 23 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
Starlink Satellite	280 / 30

May also be available: Windstream.

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