Stanly County property record for 20602 Ridgecrest Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,176 sqft · built 1970 |
| Lot Size | 30.1 acres (1,314,205 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,303 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 650601054813 |
| Primary APN | 650601054813 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Finished Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,314,205 sqft (30.1 acres) |
| Garage Type | Attached |
| Garage Area | 376 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 1499418 |
|---|---|
| Street Address | 20602 RIDGECREST RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-8354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | H-B |
| Legal Description | HSE 20602 RIDGECREST RD 650600010 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | BIG LICK |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 930700 |
20602 Ridgecrest Rd, a single family home, is owned by a company.
Source: Stanly County records, as of October 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 20602 RIDGECREST RD, LOCUST, NC 28097-8354 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 20602 RIDGECREST RD, LOCUST, NC 28097-8354 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 20602 RIDGECREST RD, LOCUST, NC 28097-8354 |
| Document Number | 0000463502 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | 1838/323 |
| Instrument | 463502 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 14, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 20602 Ridgecrest Rd was $1,303.
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,303.00 | $197,491 (-) Land $51,824 Building $145,667 | $402,079 (-) Land $256,412 Building $145,667 |
| 2025 | $1,303.00 | $197,491 Land $51,824 Building $145,667 | $402,079 Land $256,412 Building $145,667 |
| 2023 | $1,088.00 | $151,137 Land $38,282 Building $112,855 | $280,625 Land $167,770 Building $112,855 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20602 Ridgecrest 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 risk around 20602 Ridgecrest 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 16 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 |
5G (outdoors only) and 4G LTE
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