348 Summit Ave, Albemarle, NC 28001 Property Records

Stanly County property record for 348 Summit Ave, Albemarle, NC 28001

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,680 sqft · built 1943
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Tax Bill	$675 (2026)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`654803420447`

Property Details

APN / Parcel Number

Primary APN	`654803420447`
Alternative APNs	`1541287` `11634` `1886`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Finished Area
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Duplex Single
Exterior Material	Composition/Composite
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	11634
Street Address	348 SUMMIT AVE
City	ALBEMARLE
State	NC
Zip	28001-5936
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-8A
Legal Description	DPLX 348 SUMMIT AVE PT 8 9 10 654818144
Jurisdiction	STANLY NC
Township / Civil Division	SOUTH ALBEMARLE
Census Block Group	3
Census Block	3032
Census Tract	931203

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	1220 RIDGE ST, ALBEMARLE, NC 28001-9571
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	348 SUMMIT AVE, ALBEMARLE, NC 28001-5936
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 RIDGE ST, ALBEMARLE, NC 28001-9571

Mortgage

Document Number	0000442660
Date	Jan 24, 2022
Book Page	1772/1129
Instrument	442660

Lender

Name	COGENT BANK
Type	Bank
Address	CHARLOTTE, NC 28210

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$675.00	$60,285 (-) Land $21,645 Building $38,640	$60,285 (-) Land $21,645 Building $38,640
2025	$675.00 (+38.04%)	$60,285 (+50.35%) Land $21,645 Building $38,640	$60,285 (+50.35%) Land $21,645 Building $38,640
2023	$489.00	$40,097 Land $8,991 Building $31,106	$40,097 Land $8,991 Building $31,106

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

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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20