21650 Joy Rd, Locust, NC 28097 Property Records

Stanly County property record for 21650 Joy Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1963
Lot Size	1.92 acres (83,635 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Aug 2021)
Tax Bill	$1,528 (2023)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`559602651115`

Property Details

APN / Parcel Number

Primary APN	`559602651115`
Alternative APNs	`1535319` `25918`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Finished Area
Gross Area	3,480 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	83,635 sqft (1.92 acres)
Porch	Porch
Porch Area	150 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1535319
Street Address	21650 JOY RD
City	LOCUST
State	NC
Zip	28097-8310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 21650 JOY RD 559600050
Jurisdiction	STANLY NC
Township / Civil Division	BIG LICK
Census Block Group	2
Census Block	2039
Census Tract	930700

Owner

Source: Stanly County records · APN 559602651115

Assessment roll updated January 1, 2023 · Last verified October 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	21650 JOY RD, LOCUST, NC 28097-8310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Jun 10, 2011
Deed Document Number	0001754206
Deed Book / Page	1754 / 206
Record Updated	Jun 07, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Aug 24, 2021
Property Address	21650 JOY RD, LOCUST, NC 28097-8310
Document Number	0000436770
Book / Page	1754 / 206
Instrument Date	Aug 24, 2021
Instrument	436770
Transaction Type	Transfer
Record Updated	Dec 08, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8774 GRIFFIN GREENE BLVD, 8774, OAKBORO, NC 28129-8948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21650 JOY RD, LOCUST, NC 28097-8310

Mortgage

Document Number	0000436771
Date	Aug 24, 2021
Instrument	436771

Lender

Name	SEATRUST MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Stanly County records · Assessment roll updated January 1, 2023 · Last verified October 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,528.00	$212,281 Land $28,400 Building $183,881	$212,281 Land $28,400 Building $183,881

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 30, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 19 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	STANLY CO-WEST STANLY DIST serves 9,939 people
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.