Stanly County property record for 305 Delancy St, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 2,307 sqft · built 2021 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $422,500 (Aug 2021) |
| Tax Bill | $3,964 (2025) |
| Deeds & Mortgages | May 2023 Second Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557502654988 |
| Primary APN | 557502654988 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,307 sqft Finished Area |
| Year Built | Built 2021 |
|---|---|
| Lot Area | 11,761 sqft (0.269 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1535372 |
|---|---|
| Street Address | 305 DELANCY ST |
| City | LOCUST |
| State | NC |
| Zip | 28097-9436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPS |
| Legal Description | HSE 305 DELANCY ST LT 19 LOCUST VALLEY SUBD 557502089 |
| Legal Subdivision | LOCUST VALLEY |
| Legal Lot Number | 19 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 930801 |
Source: Stanly County records, as of January 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 305 DELANCY ST, LOCUST, NC 28097-9436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 2, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on Record |
| Deed Sale | Aug 27, 2021 · Amount on Record |
| Prior Sale | Nov 19, 2020 · Amount on Record |
| Deed Document Number | 0017541320 |
| Deed Book / Page | 1754 / 1320 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 305 DELANCY ST, LOCUST, NC 28097-9436 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 305 DELANCY ST, LOCUST, NC 28097-9436 |
| Document Number | 0000457563 |
|---|---|
| Date | May 2, 2023 |
| Book Page | 1819/811 |
| Instrument | 457563 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Apr 1, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Aug 27, 2021 |
| Property Address | 305 DELANCY ST, LOCUST, NC 28097-9436 |
| Document Number | 0000436960 |
| Book / Page | 1754 / 1320 |
| Map Reference | MB 19 PG 152 & 153 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 436960 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | FORTIFIED TITLE, FORTFIED TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $845.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19558 RIDGEWOOD CT, ALBEMARLE, NC 28001-6420 |
| Name | Verified Name |
|---|---|
| Address | 305 DELANCY ST, LOCUST, NC 28097-9436 |
| Document Number | 0000436961 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 436961 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Stanly County assessment roll, as of January 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,964.00 (+16.38%) | $430,972 (+37.92%) Land $65,000 Building $365,972 | $430,972 (+37.92%) Land $65,000 Building $365,972 |
| 2023 | $3,406.00 | $312,485 Land $35,000 Building $277,485 | $312,485 Land $35,000 Building $277,485 |
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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035 |
|---|---|
| Water Source | Purchased surface water from CITY OF ALBEMARLE |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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