251 Bent Tree Dr, Stanley, NC 28164 Property Records

Lincoln County property record for 251 Bent Tree Dr, Stanley, NC 28164 · Last verified November 2023

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,157 sqft · built 2006
Lot Size	0.578 acres (25,178 sqft)
Owner	Individual Name on File
Last Sale	$715,000 (Jun 2023)
Tax Bill	$4,181 (2023)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4612-21-2618`

Property Details

APN / Parcel Number

Primary APN	`4612-21-2618`
Alternative APNs	`297569` `195201` `84502`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,157 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2006
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Frame
Lot Area	25,178 sqft (0.578 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	297569
Street Address	251 BENT TREE DR
City	STANLEY
State	NC
Zip	28164-7822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#16 LT TREETOPS PH1
Legal Subdivision	TREETOPS PH 01
Legal Block	21
Legal Lot Number	16
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1019
Census Tract	71102

Owner

Source: Lincoln County records · APN 4612-21-2618

Assessment roll updated January 1, 2023 · Last verified November 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	251 BENT TREE DR, STANLEY, NC 28164-7822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage BLUEHARBOR BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Jul 12, 2006 · Amount on Record
Deed Document Number	0000325844
Deed Book / Page	3258 / 44
Record Updated	Jun 07, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 21, 2023
Property Address	251 BENT TREE DR, STANLEY, NC 28164-7822
Document Number	0000325844
Book / Page	3258 / 44
Map Reference	MB 13 PG 309-311
Instrument Date	Jun 21, 2023
Instrument	668615
Transaction Type	Transfer
Record Updated	Jul 06, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8205 DUNMORE DR # 4, 4, HUNTERSVILLE, NC 28078-4418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 BENT TREE DR, STANLEY, NC 28164-7822

Mortgage

Document Number	0000668616
Date	Jun 21, 2023
Instrument	668616

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.2%
Type Change Date	Jul 01, 2028
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	7.2%
Index	5-Year TN
Margin	2
Max Rate	11.2%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	251 BENT TREE DR, STANLEY, NC 28164-7822
Transaction Type	Mortgage
Record Updated	Oct 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3089587
Date	Sep 29, 2021
Book Page	3089/587
Instrument	639643

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	251 BENT TREE DR, STANLEY, NC 28164-7822
Document Number	2671766
Book / Page	002671 / 000766
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 03, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	251 BENT TREE DR STANLEY NC 281647822, STANLEY, NC 28164-7822

Mortgage

Document Number	2671766
Date	Jun 13, 2017
Book Page	002671/000766
Instrument	564005

Lender

Name	BLUEHARBOR BK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lincoln County records · Assessment roll updated January 1, 2023 · Last verified November 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Unified School District	Lincoln 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	$4,181.00 (+20.84%)	$675,375 (+46.21%) Land $80,000 Building $595,375	$675,375 (+46.21%) Land $80,000 Building $595,375
2022	$3,460.00	$461,928 Land $65,000 Building $396,928	$461,928 Land $65,000 Building $396,928

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lincoln County (37109C), updated January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371090711021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 4,762 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 95 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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