305 E 1st St, Oakboro, NC 28129 Property Records

Stanly County property record for 305 E 1st St, Oakboro, NC 28129

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,384 sqft · built 1925
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,318 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`650301497394`

Property Details

APN / Parcel Number

Primary APN	`650301497394`
Alternative APNs	`1539284` `11017` `1172`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,384 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	150 ft deep x 99 ft wide
Garage Area	616 sqft
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	1539284
Street Address	305 E 1ST ST
City	OAKBORO
State	NC
Zip	28129-9746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	HSE 305 E 1ST ST LOT 2 BLK 6 650301191
Legal Subdivision	WHITLEY ESTATE PROPERTY
Legal Block	6
Legal Lot Number	2
Jurisdiction	STANLY NC
Township / Civil Division	BIG LICK
Census Block Group	1
Census Block	1024
Census Tract	930901

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	305 E 1ST ST, OAKBORO, NC 28129-9746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · FHA Mortgage VYLLA TITLE LLC, VYLLA TITLE
Jun 27, 2022	Intrafamily Transfer, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Nov 8, 2020	Loan Modification, Mortgage · Conventional Mortgage CARRINGTON MTG SVCS
Dec 1, 2019	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 2011
Deed Sale	Jan 1, 2011
Prior Sale	Dec 11, 2009 · Amount on Record
Deed Book / Page	1307 / 694
Last Transfer Date	Jun 17, 2022
Transfer Doc	0000448528
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Recording Date	Apr 9, 2026
Property Address	305 E 1ST ST, OAKBORO, NC 28129-9746
Document Number	0000486755
Book / Page	1914 / 1677
Instrument Date	Mar 23, 2026
Instrument	2026486755
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	VYLLA TITLE LLC, VYLLA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E 1ST ST, OAKBORO, NC 28129-9746

Mortgage

Document Number	0000486755,
Date	Apr 9, 2026
Book Page	1914/1677
Instrument	2026486755

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Jul 1, 2052

Interest

Rate	6.01%
Max Rate	-1%

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANLY NC
Recording Date	Jun 27, 2022
Property Address	305 E 1ST ST, OAKBORO, NC 28129-9746
Document Number	0000448528
Book / Page	1791 / 346
Map Reference	MB 1 PG 72
Instrument Date	Jun 17, 2022
Instrument	448528
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E IST ST, OAKBORO, NC 28129

Mortgage

Document Number	0000448529
Date	Jun 27, 2022
Instrument	448529

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

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

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANLY NC
Property Address	305 E 1ST ST, OAKBORO, NC 28129-9746
Document Number	0000426262
Instrument Date	Nov 8, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E 1ST ST OAKBORO NC 281299746, OAKBORO, NC 28129-9746

Mortgage

Document Number	0000426262
Date	Nov 24, 2020
Book Page	001721/000373
Instrument	426262

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

Interest

Rate	3.62%

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANLY NC
Property Address	305 E 1ST ST, OAKBORO, NC 28129-9746
Document Number	0000415258
Instrument Date	Dec 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 E 1ST ST OAKBORO NC 281299746, OAKBORO, NC 28129-9746

Mortgage

Document Number	0000415258
Date	Dec 4, 2019
Book Page	001687/000516
Instrument	415258

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203-4774

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

Interest

Rate	3.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,318.00 (+42.18%)	$135,903 (+49.48%) Land $25,245 Building $110,658	$135,903 (+49.48%) Land $25,245 Building $110,658
2023	$927.00 (+22.13%)	$90,920 (-) Land $16,335 Building $74,585	$90,920 (-) Land $16,335 Building $74,585
2022	$759.00	$90,920 Land $16,335 Building $74,585	$90,920 Land $16,335 Building $74,585

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	0.01% 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	TOWN OF OAKBORO serves 3,173 people · EPA ID NC0184020
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on E 1st St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures