Stanly County property record for 232 Whispering Hills Dr, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,088 sqft · built 2016 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Aug 2016) |
| Tax Bill | $2,991 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557603347460 |
| Primary APN | 557603347460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,088 sqft Finished Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1514418 |
|---|---|
| Street Address | 232 WHISPERING HILLS DR |
| City | LOCUST |
| State | NC |
| Zip | 28097-7314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPS |
| Legal Description | HSE 232 WHISPERING HILLS LOT 8A WHISPERING HILLS 557603147 |
| Legal Subdivision | WHISPERING HILLS PH 1 |
| Legal Lot Number | 8A |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 930801 |
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 WHISPERING HILLS DR, LOCUST, NC 28097-7314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2023 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2016 · Amount on File |
| Deed Sale | Aug 25, 2016 · Amount on File |
| Prior Sale | Dec 8, 2015 · Amount on File |
| Deed Document Number | 2016383633 |
| Deed Book / Page | 1575 / 894 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 232 WHISPERING HILLS DR, LOCUST, NC 28097-7314 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|---|
| Address | 232 WHISPERING HILLS DR, LOCUST, NC 28097-7314 |
| Document Number | 0000463021 |
|---|---|
| Date | Nov 1, 2023 |
| Book Page | 1836/1285 |
| Instrument | 463021 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 8.62% |
| Index | FHLBNY's 5-Year Index |
| Max Rate | 12.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 232 WHISPERING HILLS DR, LOCUST, NC 28097-7314 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000448080 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 1789/1545 |
| Instrument | 448080 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 5-Year CMT |
| Max Rate | 9.5% |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Locust City |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,991.00 (+15.93%) | $325,181 (+37.36%) Land $65,000 Building $260,181 | $325,181 (+37.36%) Land $65,000 Building $260,181 |
| 2023 | $2,580.00 | $236,742 Land $55,000 Building $181,742 | $236,742 Land $55,000 Building $181,742 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025
| Provider | Max 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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