25403 High Rdg Rd, Locust, NC 28097 Property Records

Stanly County property record for 25403 High Rdg Rd, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 1994
Lot Size	2.48 acres (108,029 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (May 2021)
Tax Bill	$1,603 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`559703046177`

Property Details

APN / Parcel Number

Primary APN	`559703046177`
Alternative APNs	`1534086` `33710`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,687 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	108,029 sqft (2.48 acres)
Porch	Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	1534086
Street Address	25403 HIGH RIDGE RD
City	LOCUST
State	NC
Zip	28097-7200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 25403 HIGH RIDGE RD LOT 16 SECTION 4 559700077
Legal Subdivision	EARL VAUGHN SUBDIVISION
Legal Lot Number	16
Jurisdiction	STANLY NC
Township / Civil Division	ALMOND
Census Block Group	1
Census Block	1024
Census Tract	930700

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	25403 HIGH RIDGE RD, LOCUST, NC 28097-7200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 17, 2021	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Prior Sale	Mar 19, 2021 · Amount on Record
Deed Document Number	2021433377
Deed Book / Page	1743 / 568
Prior Transfer Date	Mar 17, 2021
Prior Transfer Doc	0000430628
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 25, 2021
Property Address	25403 HIGH RIDGE RD, LOCUST, NC 28097-7200
Document Number	0000433377
Book / Page	1743 / 568
Map Reference	MB 14 PG 88
Instrument Date	May 25, 2021
Instrument	433377
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7911 LITTLEJOHN CT, 7911, CHARLOTTE, NC 28227-4074

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25403 HIGH RIDGE RD, LOCUST, NC 28097-7200

Mortgage

Document Number	0000433378
Date	May 25, 2021
Instrument	433378

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANLY NC
Recording Date	May 17, 2021
Property Address	25403 HIGH RIDGE RD, LOCUST, NC 28097-7200
Document Number	0000433014
Book / Page	001742 / 000492
Instrument Date	May 13, 2021
Instrument	433014
Transaction Type	Transfer
Record Updated	Jun 7, 2021
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7911 LITTLEJOHN CT CHARLOTTE NC 282274074, CHARLOTTE, NC 28227-4074

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,603.00 (+19.18%)	$243,022 (+30.09%) Land $58,320 Building $184,702	$243,022 (+30.09%) Land $58,320 Building $184,702
2023	$1,345.00	$186,812 Land $39,474 Building $147,338	$186,812 Land $39,474 Building $147,338

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 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.

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on High Rdg Rd

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