331 N 1st St, Albemarle, NC 28001 Property Records

Stanly County property record for 331 N 1st St, Albemarle, NC 28001

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 ba · 3,118 sqft · built 1920
Lot Size	0.42 acres (18,295 sqft)
Owner	Company Name on File
Last Sale	$335,000 (Jul 2016)
Tax Bill	$3,400 (2026)
Deeds & Mortgages	Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`654801262453`

Property Details

APN / Parcel Number

Primary APN	`654801262453`
Alternative APNs	`1514208` `26474`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,118 sqft Finished Area
Basement Area	390 sqft
Unfinished Basement	390 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	220 ft deep x 81 ft wide
Porch	Porch
Porch Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	1514208
Street Address	331 N 1ST ST
City	ALBEMARLE
State	NC
Zip	28001-3904
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	RO
Legal Description	HSE 331 N 1ST ST LOT 331 654809092
Legal Subdivision	PROPERTY OF WISCASSETT MILLS COMPANY
Legal Lot Number	331
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	3
Census Block	3045
Census Tract	931204

Owner

331 N 1st St, a commercial property, is owned by a company that bought it in July 2016.

Source: Stanly County records, as of October 6, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 11428, CHARLOTTE, NC 28220-1428
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2016 · Amount on File
Deed Sale	Jul 21, 2016 · Amount on File
Prior Sale	Jan 1, 2012
Deed Document Number	2016382712
Deed Book / Page	1571 / 736
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	331 N 1ST ST, ALBEMARLE, NC 28001-3904
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000460239
Date	Aug 2, 2023
Book Page	1828/1
Instrument	460239

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 331 N 1st St was $3,400.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,400.00	$278,719 Land $54,432 Building $224,287	$278,719 Land $54,432 Building $224,287
2023	$3,060.00	$231,863 Land $43,545 Building $188,318	$231,863 Land $43,545 Building $188,318

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

Flood

FEMA maps place 331 N 1st St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	7 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · Hurricane Florence

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 331 N 1st St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF ALBEMARLE serves 17,506 people · EPA ID NC0184010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 251 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
Verizon Fixed Wireless	300 / 20