397 Spring St, Richfield, NC 28137 Property Records

Stanly County property record for 397 Spring St, Richfield, NC 28137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1999
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Tax Bill	$1,021 (2023)
Deeds & Mortgages	Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`663303011367`

Property Details

APN / Parcel Number

Primary APN	`663303011367`
Alternative APNs	`11193` `1378`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Finished Area

Exterior

Year Built	Built 1999
Exterior Material	Wood
Foundation Type	Masonry
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	132 sqft
Deck Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	11193
Street Address	397 SPRING ST
City	RICHFIELD
State	NC
Zip	28137-9740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	HSE 397 SPRING ST LOT 17 663303010
Legal Subdivision	CARDINAL ESTATES
Legal Lot Number	17
Jurisdiction	STANLY NC
Township / Civil Division	HARRIS
Census Block Group	2
Census Block	2005
Census Tract	930101

Owner

Source: Stanly County records, as of October 2, 2023

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
Co-owner	Co-owner on Record
Mailing Address	397 SPRING ST, RICHFIELD, NC 28137-9740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 1999
Deed Sale	Apr 1, 1999
Deed Document Number	0000702976
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	397 SPRING ST, RICHFIELD, NC 28137-9740
Transaction Type	Mortgage
Record Updated	Jan 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439088
Date	Oct 20, 2021
Book Page	1761/1022
Instrument	439088

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	KANNAPOLIS, NC 28082

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Stanly County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,021.00	$113,477 Land $16,650 Building $96,827	$113,477 Land $16,650 Building $96,827

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	PFEIFFER-N STANLY WATER ASSOC private · serves 4,513 people · EPA ID NC0184025
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Oct 2025
Lead	3 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 66 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spring St

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