38855 Tower Rd, Albemarle, NC 28001 Property Records

Stanly County property record for 38855 Tower Rd, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft · built 1950
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Tax Bill	$239 (2026)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`665001373919`

Property Details

APN / Parcel Number

Primary APN	`665001373919`
Alternative APNs	`1541772` `10502` `1980`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	624 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Garage Area	576 sqft
Porch	Porch
Porch Area	293 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1541772
Street Address	38855 TOWER RD
City	ALBEMARLE
State	NC
Zip	28001-7942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 38855 TOWER RD 665000241
Jurisdiction	STANLY NC
Township / Civil Division	HARRIS
Census Block Group	3
Census Block	3012
Census Tract	930102

Owner

38855 Tower Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	38855 TOWER RD, ALBEMARLE, NC 28001-7942
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
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
May 26, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 18, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Recording Date	Apr 23, 2026
Property Address	38855 TOWER RD, ALBEMARLE, NC 28001-7942
Document Number	0000487126
Book / Page	1916 / 528
Instrument Date	Apr 17, 2026
Instrument	2026487126
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38855 TOWER RD, ALBEMARLE, NC 28001-7942

Mortgage

Document Number	0000487126,
Date	Apr 23, 2026
Book Page	1916/528
Instrument	2026487126

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	38855 TOWER RD, ALBEMARLE, NC 28001-7942
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000458364
Date	May 26, 2023
Book Page	1822/1
Instrument	458364

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jan 18, 2023
Property Address	38855 TOWER RD, ALBEMARLE, NC 28001-7942
Document Number	0000454736
Book / Page	1810 / 1177
Map Reference	MB 989 PG 416
Instrument Date	Jan 18, 2023
Instrument	454736
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42025 GURLEY RD, NEW LONDON, NC 28127-8535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38855 TOWER RD, ALBEMARLE, NC 28001-7942

Tax Assessment & Valuation

The 2026 property tax bill for 38855 Tower Rd was $239.

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	$239.00	$40,714 (-) Land $24,840 Building $15,874	$40,714 (-) Land $24,840 Building $15,874
2025	$239.00	$40,714 Land $24,840 Building $15,874	$40,714 Land $24,840 Building $15,874
2023	$174.00	$25,446 (-) Land $13,248 Building $12,198	$25,446 (-) Land $13,248 Building $12,198
2022	$174.00	$25,446 Land $13,248 Building $12,198	$25,446 Land $13,248 Building $12,198

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

Flood

FEMA maps place 38855 Tower Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.

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	2 in force
Nearby Flood Claims	4 (1997–2025)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2025 · rainfall accumulation

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 38855 Tower 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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