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305 Locust Ave, Locust, NC 28097 Property Records

Stanly County property record for 305 Locust Ave, Locust, NC 28097

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,421 sqft · built 1977
Lot Size0.37 acres (16,117 sqft)
Owner2 Individual Names on Record
Last Sale$298,500 (Sep 2025)
Tax Bill$1,770 (2026)
Deeds & MortgagesSep 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN557503401643

Property Details

APN / Parcel Number

Primary APN557503401643
Alternative APNs
  • 1510442
  • 1552496
  • 2850

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,421 sqft Finished Area
FlooringVinyl/Resilient
Interior WallsPlywood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Exterior MaterialBrick Veneer
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area16,117 sqft (0.37 acres)
Lot Dimensions157 ft deep x 94 ft wide
PorchPorch
Porch Area57 sqft
Deck Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelOil
SewerSeptic

Location & Zoning

Account Number1552496
Street Address305 LOCUST AVE
CityLOCUST
StateNC
Zip28097-7221
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGR
Legal DescriptionHSE 305 LOCUST AVE LOT 8 SUNSET PARK 557503029
Legal SubdivisionSUNSET PARK
Legal Lot Number8
JurisdictionSTANLY NC
Township / Civil DivisionFURR
Census Block Group1
Census Block1031
Census Tract930801

Owner

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 Record2 Individual Names on Record
Mailing Address305 LOCUST AVE, LOCUST, NC 28097-7221
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 15, 2025 · Amount on Record
Deed SaleSep 15, 2025 · Amount on Record
Prior SaleNov 21, 2014 · Amount on Record
Deed Document Number2025481022
Deed Book / Page1894 / 816
Prior Transfer DateMay 5, 2014
Prior Transfer Doc0000363601
Record UpdatedOct 29, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateSep 15, 2025
Property Address305 LOCUST AVE, LOCUST, NC 28097-7221
Document Number0000481022
Book / Page1894 / 816
Map ReferenceMB 5 PG 88
Instrument DateSep 15, 2025
Instrument481022
Transaction TypeTransfer
Record UpdatedJan 30, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$597.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address17298 MEADOW CREEK CHURCH RD, LOCUST, NC 28097-9767

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 LOCUST AVE, LOCUST, NC 28097-7221

Mortgage

Document Number0000481023
DateSep 15, 2025
Instrument481023
Lender
NameATLANTIC COAST MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyStanly County
MunicipalityLocust City
Unified School DistrictStanly County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,770.00$192,405 (-) Land $31,950 Building $160,455$192,405 (-) Land $31,950 Building $160,455
2025$1,770.00 (+15.46%)$192,405 (+36.78%) Land $31,950 Building $160,455$192,405 (+36.78%) Land $31,950 Building $160,455
2023$1,533.00$140,666 Land $18,879 Building $121,787$140,666 Land $18,879 Building $121,787

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 30, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSTANFIELD #3-POLK FORD/RENEE FORD
serves 854 people · EPA ID NC2084008
Water SourcePurchased surface water from STANLY CO-WEST STANLY DIST
Last State InspectionJul 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jan 2021
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Windstream.

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