402 Elm St, Locust, NC 28097 Property Records

Stanly County property record for 402 Elm St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,708 sqft · built 1966
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jul 2017)
Tax Bill	$2,372 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557504610099`

Property Details

APN / Parcel Number

Primary APN	`557504610099`
Alternative APNs	`1517251` `25851`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,708 sqft Finished Area
Flooring	Wood
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	598 sqft
Porch	Porch
Porch Area	174 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1517251
Street Address	402 ELM ST
City	LOCUST
State	NC
Zip	28097-7183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	HSE 402 ELM ST 557504167
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2000
Census Tract	930802

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	402 ELM ST, LOCUST, NC 28097-7183
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 14, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Jul 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2017 · Amount on Record
Deed Sale	Jul 5, 2017 · Amount on Record
Deed Document Number	2017392090
Deed Book / Page	1615 / 529
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	402 ELM ST, LOCUST, NC 28097-7183
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 ELM ST, LOCUST, NC 28097-7183

Mortgage

Document Number	0000438486
Date	Oct 5, 2021
Book Page	1759/1205
Instrument	438486

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

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

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANLY NC
Property Address	402 ELM ST, LOCUST, NC 28097-7183
Document Number	0000417508
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 ELM ST LOCUST NC 280977183, LOCUST, NC 28097-7183

Mortgage

Document Number	0000417508
Date	Feb 26, 2020
Book Page	001693/001099
Instrument	417508

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jul 5, 2017
Property Address	402 ELM ST, LOCUST, NC 28097-7183
Document Number	0000392090
Book / Page	001615 / 000529
Instrument Date	Jul 5, 2017
Instrument	392090
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$320.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 ELM ST LOCUST NC 280977183, LOCUST, NC 28097-7183

Tax Assessment & Valuation

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,372.00	$257,838 (-) Land $60,170 Building $197,668	$257,838 (-) Land $60,170 Building $197,668
2025	$2,372.00 (+25.3%)	$257,838 (+48.44%) Land $60,170 Building $197,668	$257,838 (+48.44%) Land $60,170 Building $197,668
2023	$1,893.00	$173,695 Land $35,110 Building $138,585	$173,695 Land $35,110 Building $138,585

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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	0.02% 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	STANFIELD #3-POLK FORD/RENEE FORD serves 854 people · EPA ID NC2084008
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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