402 Commerce St, Albemarle, NC 28001 Property Records

Stanly County property record for 402 Commerce St, Albemarle, NC 28001

Property Summary

Property Type	Commercial
Details	1 ba · 256 sqft · built 2016
Lot Size	1.75 acres (76,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Aug 2023)
Tax Bill	$2,252 (2026)
Deeds & Mortgages	Aug 2023 Sale Mar 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`653702790973`

Property Details

APN / Parcel Number

Primary APN	`653702790973`
Alternative APNs	`1544341` `1533330` `36245`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	256 sqft Finished Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	76,230 sqft (1.75 acres)
Garage Area	600 sqft
Porch	Porch
Porch Area	80 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1544341
Street Address	402 COMMERCE ST
City	ALBEMARLE
State	NC
Zip	28001-5762
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	GHBD
Legal Description	BLDG 402 COMMERCE ST LT 5 653702002
Legal Subdivision	STANLY COUNTY FARM BUREAU
Legal Lot Number	5
Jurisdiction	STANLY NC
Township / Civil Division	SOUTH ALBEMARLE
Census Block Group	3
Census Block	3033
Census Tract	931202

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	1153 AUSTIN RD, NEW LONDON, NC 28127-8742
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Warranty Deed, Transfer
Mar 26, 2021	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Mar 26, 2021 · Amount on Record
Deed Document Number	2023460858
Deed Book / Page	1830 / 1
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Aug 22, 2023
Property Address	402 COMMERCE ST, ALBEMARLE, NC 28001-5762
Document Number	0000460858
Book / Page	1830 / 1
Map Reference	MB 17 PG 323
Instrument Date	Aug 14, 2023
Instrument	460858
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 COMMERCE ST, ALBEMARLE, NC 28001-5762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1153 AUSTIN RD, NEW LONDON, NC 28127-8742

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Mar 26, 2021
Property Address	402 COMMERCE ST, ALBEMARLE, NC 28001-5762
Document Number	0000430930
Book / Page	001735 / 001441
Instrument Date	Mar 25, 2021
Instrument	430930
Transaction Type	Transfer
Record Updated	Apr 20, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$340.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	402 COMMERCE ST ALBEMARLE NC 280015762, ALBEMARLE, NC 28001-5762

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	$2,252.00 (-3.8%)	$201,075 (+4.76%) Land $157,500 Building $43,575	$201,075 (+4.76%) Land $157,500 Building $43,575
2023	$2,341.00	$191,932 Land $157,500 Building $34,432	$191,932 Land $157,500 Building $34,432

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; 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	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	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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream.

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