Stanly County property record for 322 Church St, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,291 sqft · built 2007 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $169,000 (May 2007) |
| Tax Bill | $2,436 (2026) |
| Deeds & Mortgages | Jul 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 557401296958 |
| Primary APN | 557401296958 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,291 sqft Finished Area |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Porch | Porch |
| Porch Area | 213 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 37205 |
|---|---|
| Street Address | 322 CHURCH ST |
| City | LOCUST |
| State | NC |
| Zip | 28097-9696 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Description | HSE 322 CHURCH ST LT 3 ABIS PLACE PH 1 557401022 |
| Legal Subdivision | ABIS PLACE PH 1 |
| Legal Lot Number | 3 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 930801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 322 CHURCH ST, LOCUST, NC 28097-9696 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2007 · Amount on Record |
| Deed Sale | May 21, 2007 · Amount on Record |
| Deed Book / Page | 1179 / 462 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 322 CHURCH ST, LOCUST, NC 28097-9696 |
| Document Number | 0000403240 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 322 CHURCH ST LOCUST NC 280979696, LOCUST, NC 28097-9696 |
| Document Number | 0000403240 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 001653/000248 |
| Instrument | 403240 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 11, 2058 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Stanly County assessment roll, as of October 6, 2026
| 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 |
|---|---|---|---|
| 2026 | $2,436.00 (-37.15%) | $264,785 (+34.68%) Land $65,000 Building $199,785 | $264,785 (+34.68%) Land $65,000 Building $199,785 |
| 2023 | $3,876.00 | $196,605 (-) Land $55,000 Building $141,605 | $196,605 (-) Land $55,000 Building $141,605 |
| 2022 | $3,876.00 | $196,605 Land $55,000 Building $141,605 | $196,605 Land $55,000 Building $141,605 |
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 | 0.01% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STANFIELD #3-POLK FORD/RENEE FORD serves 854 people · EPA ID NC2084008 |
|---|---|
| Water Source | Purchased surface water from STANLY CO-WEST STANLY DIST |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2021 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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