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20918 Ridgecrest Rd, Locust, NC 28097 Property Records

Stanly County property record for 20918 Ridgecrest Rd, Locust, NC 28097

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,664 sqft · built 1958
Lot Size4.18 acres (182,081 sqft)
Owner2 Individual Names on File
Tax Bill$917 (2026)
Deeds & MortgagesSep 2022 Sale
Apr 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN559602897788

Property Details

APN / Parcel Number

Primary APN559602897788
Alternative APNs
  • 11059
  • 1222

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,664 sqft Finished Area
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Exterior MaterialBrick Veneer
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area182,081 sqft (4.18 acres)
Garage Area625 sqft
PorchPorch
Porch Area216 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemHVAC
Heating FuelWood
SewerSeptic

Location & Zoning

Account Number11059
Street Address20918 RIDGECREST RD
CityLOCUST
StateNC
Zip28097-8357
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHSE 20918 RIDGECREST RD 559600051
JurisdictionSTANLY NC
Township / Civil DivisionALMOND
Census Block Group2
Census Block2022
Census Tract930700

Owner

20918 Ridgecrest Rd is owned and occupied by two individuals.

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

Owner of Record2 Individual Names on File
Mailing Address20918 RIDGECREST RD, LOCUST, NC 28097-8357
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 26, 2022Warranty Deed, Transfer
Apr 1, 2019Loan Modification, Mortgage · Conventional Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateSep 26, 2022
Property Address20918 RIDGECREST RD, LOCUST, NC 28097-8357
Document Number0000451526
Book / Page1800 / 654
Map ReferenceMB 20 PG 16
Instrument DateSep 2, 2022
Instrument451526
Transaction TypeTransfer
Record UpdatedMay 31, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address16021 STRAWBERRY CT, MIDLAND, NC 28107-9058

Transferred To (Grantee/Buyer)

NameVerified Name
Address259 HILLTOP RD, OAKBORO, NC 28129-7406

April 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSTANLY NC
Property Address20918 RIDGECREST RD, LOCUST, NC 28097-8357
Document Number0000408104
Instrument DateApr 1, 2019
Transaction TypeMortgage
Record UpdatedApr 10, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address20918 RIDGECREST RD LOCUST NC 280978357, LOCUST, NC 28097-8357

Mortgage

Document Number0000408104
DateMar 22, 2019
Book Page001666/000142
Instrument408104
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressMONROE, LA 71203-4774
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term336 Months
DueMar 21, 2047
Interest
Rate4.75%

Tax Assessment & Valuation

The 2026 property tax bill for 20918 Ridgecrest Rd was $917.

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyStanly County
Unified School DistrictStanly County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$917.00$139,084 (-) Land $69,980 Building $69,104$139,084 (-) Land $69,980 Building $69,104
2025$917.00$139,084 Land $69,980 Building $69,104$139,084 Land $69,980 Building $69,104
2023$908.00$100,318 (-) Land $44,760 Building $55,558$100,318 (-) Land $44,760 Building $55,558
2022$908.00$100,318 Land $44,760 Building $55,558$100,318 Land $44,760 Building $55,558

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

Flood

FEMA maps place 20918 Ridgecrest Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 30, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 20918 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemSTANLY CO-WEST STANLY DIST
serves 9,939 people · EPA ID NC0184035
Water SourcePurchased surface water from CITY OF ALBEMARLE
Last State InspectionApr 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 25 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Windstream
DSL		100 / 20

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