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220 Whispering Hills Dr, Locust, NC 28097 Property Records

Stanly County property record for 220 Whispering Hills Dr, Locust, NC 28097

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,088 sqft · built 2015
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on File
Last Sale$253,500 (Sep 2020)
Tax Bill$3,018 (2026)
Deeds & MortgagesAug 2025 Mortgage
Sep 2020 Sale
Flood ZoneZone X (minimal risk)
APN557603348255

Property Details

APN / Parcel Number

Primary APN557603348255
Alternative APNs
  • 1531003
  • 25232

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,088 sqft Finished Area

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialAluminum/Vinyl
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Garage TypeAttached
Garage Area400 sqft
PorchPorch
Porch Area136 sqft
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number1531003
Street Address220 WHISPERING HILLS DR
CityLOCUST
StateNC
Zip28097-7314
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPS
Legal DescriptionHSE 220 WHISPERING HILLS LOT 5A WHISPERING HILLS 557603130
Legal SubdivisionWHISPERING HILLS PH 1
Legal Lot Number5A
JurisdictionSTANLY NC
Township / Civil DivisionFURR
Census Block Group3
Census Block3009
Census Tract930801

Owner

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 RecordIndividual Name on File
Mailing Address220 WHISPERING HILLS DR, LOCUST, NC 28097-7314
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 1, 2025Deed of Trust, Mortgage · FHA Mortgage
NATIONSTAR MORTGAGE LLC
Sep 29, 2020Warranty Deed, Transfer
INDEPENDENCE TITLE GROUP LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 29, 2020 · Amount on File
Deed SaleSep 29, 2020 · Amount on File
Prior SaleApr 20, 2016 · Amount on File
Deed Document Number2020424229
Deed Book / Page1714 / 1046
Record UpdatedOct 29, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTANLY NC
Property Address220 WHISPERING HILLS DR, LOCUST, NC 28097-7314
Transaction TypeMortgage
Record UpdatedOct 27, 2025
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address220 WHISPERING HILLS DR, LOCUST, NC 28097-7314

Mortgage

Document Number0000479788
DateAug 1, 2025
Book Page1890/881
Instrument479788
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term302 Months
DueOct 1, 2050

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateSep 29, 2020
Property Address220 WHISPERING HILLS DR, LOCUST, NC 28097-7314
Document Number0000424229
Book / Page001714 / 001046
Instrument DateSep 29, 2020
Instrument424229
Transaction TypeTransfer
Record UpdatedOct 15, 2020
Title CompanyINDEPENDENCE TITLE GROUP LLC

Transaction

AmountAmount on Record
Tax$507.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address220 WHISPERING HILLS DR LOCUST NC 280977314, LOCUST, NC 28097-7314

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,018.00 (+15.99%)$328,124 (+37.45%) Land $65,000 Building $263,124$328,124 (+37.45%) Land $65,000 Building $263,124
2023$2,602.00$238,728 Land $55,000 Building $183,728$238,728 Land $55,000 Building $183,728

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 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

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
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSTANFIELD #3-POLK FORD/RENEE FORD
serves 854 people · EPA ID NC2084008
Water SourcePurchased surface water from STANLY CO-WEST STANLY DIST
Last State InspectionJul 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jan 2021
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
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 196 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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