Stanly County property record for 20886 Ridgecrest Rd, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 4,176 sqft · built 2010 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $4,000 (Dec 2022) |
| Tax Bill | $3,818 (2026) |
| Deeds & Mortgages | Dec 2022 Sale Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 559602991582 |
| Primary APN | 559602991582 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,176 sqft Finished Area |
| Basement Area | 2,088 sqft |
| Finished Basement | 2,088 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Combination |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Type | Attached |
| Garage Area | 589 sqft |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 834 sqft |
| Porch | Porch |
| Porch Area | 588 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 1541906 |
|---|---|
| Street Address | 20886 RIDGECREST RD |
| City | LOCUST |
| State | NC |
| Zip | 28097-8356 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 20886 RIDGECREST RD 559602006 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | ALMOND |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 930700 |
20886 Ridgecrest Rd is owned and occupied by two individuals who bought it in December 2022.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 20886 RIDGECREST RD, LOCUST, NC 28097-8356 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2022 | Warranty Deed, Transfer |
| Jan 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jan 31, 2020 | Quit Claim Deed, Transfer WORLDWIDE RECORDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on File |
| Deed Sale | Dec 21, 2022 · Amount on File |
| Prior Sale | Jan 25, 2022 · Amount on File |
| Deed Document Number | 2022454072 |
| Deed Book / Page | 1808 / 1007 |
| Prior Transfer Date | Jan 28, 2020 |
| Prior Transfer Doc | 0000416871 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Dec 21, 2022 |
| Property Address | 20886 RIDGECREST RD, LOCUST, NC 28097-8356 |
| Document Number | 0000454072 |
| Book / Page | 1808 / 1007 |
| Map Reference | MB 29 PG 238 |
| Instrument Date | Dec 12, 2022 |
| Instrument | 454072 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $8.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20886 RIDGECREST RD, LOCUST, NC 28097-8356 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jan 25, 2022 |
| Property Address | 20886 RIDGECREST RD, LOCUST, NC 28097-8356 |
| Document Number | 0000442692 |
| Book / Page | 1772 / 1325 |
| Map Reference | MB 22 PG 26 |
| Instrument Date | Jan 25, 2022 |
| Instrument | 442692 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,405.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 204 E 3RD ST, OAKBORO, NC 28129-9003 |
| Name | Verified Name |
|---|---|
| Address | 20886 RIDGECREST RD, LOCUST, NC 28097-8356 |
| Document Number | 0000442693 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 442693 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jan 31, 2020 |
| Property Address | 20886 RIDGECREST RD, LOCUST, NC 28097-8356 |
| Document Number | 0000416871 |
| Book / Page | 001691 / 001629 |
| Instrument Date | Jan 28, 2020 |
| Instrument | 416871 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2020 |
| Title Company | WORLDWIDE RECORDING INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20886 RIDGECREST RD LOCUST NC 280978356, LOCUST, NC 28097-8356 |
The 2026 property tax bill for 20886 Ridgecrest Rd was $3,818.
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 | $3,818.00 | $578,565 (-) Land $41,200 Building $537,365 | $578,565 (-) Land $41,200 Building $537,365 |
| 2025 | $3,818.00 | $578,565 Land $41,200 Building $537,365 | $578,565 Land $41,200 Building $537,365 |
| 2023 | $3,064.00 | $425,620 Land $26,400 Building $399,220 | $425,620 Land $26,400 Building $399,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20886 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 20886 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 25 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 |
| Windstream DSL | 100 / 20 |
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