2228 E Main St, Albemarle, NC 28001 Property Records

Stanly County property record for 2228 E Main St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,808 sqft · built 1975
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jun 2022)
Tax Bill	$3,491 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jul 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`655804624317`

Property Details

APN / Parcel Number

Primary APN	`655804624317`
Alternative APNs	`1539082` `1517255` `13723`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,808 sqft Finished Area
Basement Area	1,540 sqft
Unfinished Basement	1,540 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	52,708 sqft (1.21 acres)
Lot Dimensions	300 ft deep x 247 ft wide
Garage Type	Attached
Garage Area	576 sqft
Porch	Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	1539082
Street Address	2228 E MAIN ST
City	ALBEMARLE
State	NC
Zip	28001-8182
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MULTIPLE
Legal Description	HSE 2228 E MAIN ST 655819076
Jurisdiction	STANLY NC
Township / Civil Division	SOUTH ALBEMARLE
Census Block Group	3
Census Block	3006
Census Tract	931002

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	2 Individual Names on Record
Mailing Address	2228 E MAIN ST, ALBEMARLE, NC 28001-8182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jul 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on Record
Deed Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	2022448161
Deed Book / Page	1790 / 170
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 16, 2022
Property Address	2228 E MAIN ST, ALBEMARLE, NC 28001-8182
Document Number	0000448161
Book / Page	1790 / 170
Map Reference	MB 3 PG 303
Instrument Date	Jun 16, 2022
Instrument	448161
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 40, ALBEMARLE, NC 28002-0040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2228 E MAIN ST, ALBEMARLE, NC 28001-8182

Mortgage

Document Number	0000448162
Date	Jun 16, 2022
Instrument	448162

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.9%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.9%
Index	1-Year LIBOR
Max Rate	9.9%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Jul 7, 2017
Property Address	2228 E MAIN ST, ALBEMARLE, NC 28001-8182
Document Number	0000392128
Book / Page	001615 / 000725
Instrument Date	May 26, 2017
Instrument	392128
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1402 HERITAGE CT ALBEMARLE NC 280019569, ALBEMARLE, NC 28001-9569

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,491.00 (+46.93%)	$311,761 (+60.03%) Land $36,785 Building $274,976	$311,761 (+60.03%) Land $36,785 Building $274,976
2023	$2,376.00	$194,815 Land $21,707 Building $173,108	$194,815 Land $21,707 Building $173,108

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF ALBEMARLE serves 17,506 people · EPA ID NC0184010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 77 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

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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