40176 Tower Rd, Albemarle, NC 28001 Property Records

Stanly County property record for 40176 Tower Rd, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,880 sqft · built 1994
Lot Size	2.57 acres (111,949 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Mar 2022)
Tax Bill	$1,804 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`665103315978`

Property Details

APN / Parcel Number

Primary APN	`665103315978`
Alternative APNs	`1537901` `12680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,880 sqft Finished Area
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	111,949 sqft (2.57 acres)
Porch	Porch
Porch Area	224 sqft
Deck Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	1537901
Street Address	40176 TOWER RD
City	ALBEMARLE
State	NC
Zip	28001-7947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 40176 TOWER RD 665100005
Legal Subdivision	PROPERTY LINE SURVEY FOR LARRY PALMER
Jurisdiction	STANLY NC
Township / Civil Division	HARRIS
Census Block Group	3
Census Block	3013
Census Tract	930102

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	40176 TOWER RD, ALBEMARLE, NC 28001-7947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 24, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Oct 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Oct 20, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	2022444505
Deed Book / Page	1778 / 697
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Mar 11, 2022
Property Address	40176 TOWER RD, ALBEMARLE, NC 28001-7947
Document Number	0000444505
Book / Page	1778 / 697
Instrument Date	Mar 11, 2022
Instrument	444505
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	ATLANTIC CAROLINAS TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 WOOD ST, 506, TROY, NC 27371-2852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40176 TOWER RD, ALBEMARLE, NC 28001-7947

Mortgage

Document Number	0000444506
Date	Mar 11, 2022
Instrument	444506

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	40176 TOWER RD, ALBEMARLE, NC 28001-7947
Transaction Type	Mortgage
Record Updated	Mar 8, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40176 TOWER RD, ALBEMARLE, NC 28001-7947

Mortgage

Document Number	0000440558
Date	Nov 24, 2021
Book Page	1766/264
Instrument	440558

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Oct 16, 2019
Property Address	40176 TOWER RD, ALBEMARLE, NC 28001-7947
Document Number	0000413897
Book / Page	001682 / 001541
Instrument Date	Oct 15, 2019
Instrument	413897
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$456.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40176 TOWER RD ALBEMARLE NC 280017947, ALBEMARLE, NC 28001-7947

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Oct 20, 2017
Property Address	40176 TOWER RD, ALBEMARLE, NC 28001-7947
Document Number	0000395034
Book / Page	001628 / 000084
Instrument Date	Oct 20, 2017
Instrument	395034
Transaction Type	Transfer
Record Updated	Oct 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$396.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40176 TOWER RD ALBEMARLE NC 280017947, ALBEMARLE, NC 28001-7947

Tax Assessment & Valuation

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	$1,804.00 (+21.48%)	$307,155 (+42.14%) Land $43,345 Building $263,810	$307,155 (+42.14%) Land $43,345 Building $263,810
2023	$1,485.00	$216,095 Land $24,635 Building $191,460	$216,095 Land $24,635 Building $191,460

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tower Rd

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