32676 Guard Rd, Albemarle, NC 28001 Property Records

Stanly County property record for 32676 Guard Rd, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,116 sqft · built 1946
Lot Size	3.87 acres (168,577 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Nov 2017)
Tax Bill	$892 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`656901351011`

Property Details

APN / Parcel Number

Primary APN	`656901351011`
Alternative APNs	`1518437` `12054`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,116 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	168,577 sqft (3.87 acres)
Garage Type	Carport
Garage Area	352 sqft
Carport	Carport
Carport Area	352 sqft
Porch	Porch
Porch Area	82 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1518437
Street Address	32676 GUARD RD
City	ALBEMARLE
State	NC
Zip	28001-7879
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 32676 GUARD RD 656900139
Legal Tract	1
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	2
Census Block	2023
Census Tract	930200

Owner

32676 Guard Rd is owned and occupied by two individuals who bought it in November 2017.

Source: Stanly County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	32676 GUARD RD, ALBEMARLE, NC 28001-7879
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 9, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2017 · Amount on File
Deed Sale	Nov 9, 2017 · Amount on File
Prior Sale	Dec 23, 2014 · Amount on File
Deed Book / Page	1630 / 516
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	32676 GUARD RD, ALBEMARLE, NC 28001-7879
Transaction Type	Mortgage
Record Updated	Mar 3, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32676 GUARD RD, ALBEMARLE, NC 28001-7879

Mortgage

Document Number	0000454216
Date	Dec 28, 2022
Book Page	1809/258
Instrument	454216

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	5-Year CMT
Max Rate	11.1%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Nov 9, 2017
Property Address	32676 GUARD RD, ALBEMARLE, NC 28001-7879
Document Number	0000395576
Book / Page	001630 / 000516
Instrument Date	Nov 9, 2017
Instrument	395576
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32676 GUARD RD ALBEMARLE NC 280017879, ALBEMARLE, NC 28001-7879

Tax Assessment & Valuation

The 2026 property tax bill for 32676 Guard Rd was $892.

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	$892.00	$151,231 Land $56,200 Building $95,031	$151,231 Land $56,200 Building $95,031
2023	$799.00	$115,798 Land $38,655 Building $77,143	$115,798 Land $38,655 Building $77,143

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 32676 Guard Rd in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 32676 Guard Rd is low, with a 0.04% annual chance of 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	0.04% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Guard Rd

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