20971 Coley Store Rd, Locust, NC 28097 Property Records

Stanly County property record for 20971 Coley Store Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1958
Lot Size	5.46 acres (237,838 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Sep 2025)
Tax Bill	$1,154 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`558602585309`

Property Details

APN / Parcel Number

Primary APN	`558602585309`
Alternative APNs	`1551759` `1552806` `18925` `24789`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Finished Area
Flooring	Cork
Interior Walls	Plywood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	237,838 sqft (5.46 acres)
Garage Type	Carport
Garage Area	462 sqft
Carport	Carport
Carport Area	462 sqft
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1552806
Street Address	20971 COLEY STORE RD
City	LOCUST
State	NC
Zip	28097-7163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 20971 COLEY STORE RD DBA WAYNES WELDING 558600113
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	3
Census Block	3002
Census Tract	930801

Owner

20971 Coley Store Rd is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20971 COLEY STORE RD, LOCUST, NC 28097-7163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Sep 26, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 13, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2025 · Amount on File
Deed Sale	Sep 26, 2025 · Amount on File
Deed Document Number	2025481384
Deed Book / Page	1895 / 1071
Prior Transfer Date	May 27, 2025
Prior Transfer Doc	0000478453
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Sep 26, 2025
Property Address	20971 COLEY STORE RD, LOCUST, NC 28097-7163
Document Number	0000481384
Book / Page	1895 / 1071
Instrument Date	Sep 26, 2025
Instrument	481384
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	CAROLINA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	625 PINE NEEDLE RD, SWAINSBORO, GA 30401-5736

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20971 COLEY STORE RD, LOCUST, NC 28097-7163

Mortgage

Document Number	0000481385
Date	Sep 26, 2025
Instrument	481385

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANLY NC
Recording Date	Jun 13, 2025
Property Address	20971 COLEY STORE RD, LOCUST, NC 28097-7163
Document Number	0000478453
Book / Page	1885 / 1411
Instrument Date	May 27, 2025
Instrument	478453
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24409 RIDGECREST RD, LOCUST, NC 28097-8363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20971 COLEY STORE RD, LOCUST, NC 28097-7163

Tax Assessment & Valuation

The 2026 property tax bill for 20971 Coley Store Rd was $1,154.

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	$1,154.00	$174,869 (-) Land $90,480 Building $84,389	$174,869 (-) Land $90,480 Building $84,389
2025	$1,154.00	$174,869 Land $90,480 Building $84,389	$174,869 Land $90,480 Building $84,389
2023	$903.00	$125,462 Land $57,910 Building $67,552	$125,462 Land $57,910 Building $67,552

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20971 Coley Store 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

Wildfire risk around 20971 Coley Store Rd is low, with a 0.02% 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	0.02% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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