215 S Central Ave, Locust, NC 28097 Property Records

Stanly County property record for 215 S Central Ave, Locust, NC 28097

Property Summary

Property Type	Commercial
Details	5,100 sqft · built 2020
Lot Size	0.4 acres (17,424 sqft)
Owner	Company Name on Record
Tax Bill	$7,809 (2026)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`557503418863`

Property Details

APN / Parcel Number

Primary APN	`557503418863`
Alternative APNs	`1529268` `25965`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	5,100 sqft Finished Area
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	100 ft deep x 145 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1529268
Street Address	215 S CENTRAL AVE
City	LOCUST
State	NC
Zip	28097-7140
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CC
Legal Description	BLDG 215 S CENTRAL AVE DBA THE LOCAL ROOM 557503124
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	3
Census Block	3023
Census Tract	930801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	401 S LOVE CHAPEL RD, STANFIELD, NC 28163-5585
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage UWHARRIE BK
May 5, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	215 S CENTRAL AVE, LOCUST, NC 28097-7140
Document Number	0000430031
Instrument Date	Mar 1, 2021
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	215 S CENTRAL AVE LOCUST NC 280977140, LOCUST, NC 28097-7140

Mortgage

Document Number	0000430031
Date	Mar 5, 2021
Book Page	001733/000166
Instrument	430031

Lender

Name	UWHARRIE BK
Type	Bank
Address	LOCUST, NC 28097-9707

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 4, 2031

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 5, 2020
Property Address	215 S CENTRAL AVE, LOCUST, NC 28097-7140
Document Number	0000419398
Book / Page	001699 / 000755
Instrument Date	May 5, 2020
Instrument	419398
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 S LOVE CHAPEL RD STANFIELD NC 281635585, STANFIELD, NC 28163-5585

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Stanly County
Municipality	Locust City
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,809.00 (+7.67%)	$848,868 (+27.57%) Land $108,436 Building $740,432	$848,868 (+27.57%) Land $108,436 Building $740,432
2023	$7,253.00	$665,438 Land $74,193 Building $591,245	$665,438 Land $74,193 Building $591,245

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STANFIELD #3-POLK FORD/RENEE FORD serves 854 people · EPA ID NC2084008
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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