4037 Flat Shoals Rd, Germanton, NC 27019 Property Records

Stokes County property record for 4037 Flat Shoals Rd, Germanton, NC 27019

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,702 sqft · built 1986
Lot Size	37.1 acres (1,616,947 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Apr 2026)
Tax Bill	$3,446 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`693500629440`

Property Details

APN / Parcel Number

Primary APN	`693500629440`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,702 sqft Heated Area
Basement Area	1,668 sqft
Finished Basement	1,218 sqft
Unfinished Basement	450 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,616,947 sqft (37.1 acres)
Garage Area	600 sqft
Porch	Slab
Patio Area	863 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4037 FLAT SHOALS RD
City	GERMANTON
State	NC
Zip	27019-8932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Jurisdiction	STOKES NC
Township / Civil Division	MEADOWS
Census Block Group	3
Census Block	3006
Census Tract	70600

Owner

Source: Stokes County records, as of September 3, 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	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING
Oct 24, 2023	Intrafamily Transfer, Transfer
Apr 24, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Deed Document Number	20261717
Deed Book / Page	801 / 960
Prior Transfer Date	Sep 8, 2023
Prior Transfer Doc	00768/2432
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STOKES NC
Recording Date	Apr 8, 2026
Property Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932
Document Number	0000001717
Book / Page	801 / 960
Instrument Date	Apr 6, 2026
Instrument	20261717
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932

Mortgage

Document Number	0000001718,
Date	Apr 8, 2026
Instrument	20261718

Lender

Name	CORNERSTONE HOME LENDING

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STOKES NC
Recording Date	Apr 8, 2026
Property Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932
Document Number	000801/960
Book / Page	801 / 960
Instrument Date	Apr 6, 2026
Instrument	20261717
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932

Mortgage

Document Number	0000001718,
Date	Apr 8, 2026
Instrument	20261718

Lender

Name	CORNERSTONE HOME LENDING

Agreement

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

Interest

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

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STOKES NC
Recording Date	Oct 24, 2023
Property Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932
Document Number	00768/2432
Book / Page	768 / 2432
Instrument Date	Sep 8, 2023
Instrument	4977
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10580 S NC HIGHWAY 150, LINWOOD, NC 27299-9468

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STOKES NC
Recording Date	Apr 24, 2017
Property Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932
Document Number	00684/1537
Book / Page	0684 / 1537
Instrument Date	Feb 28, 2017
Instrument	02188
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4037 FLAT SHOALS RD, GERMANTON, NC 27019-8932

Tax Assessment & Valuation

Source: Stokes County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Stokes County
Unified School District	Stokes County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,446.00 (+4.08%)	$482,000 (+4.08%) Land $189,500 Building $292,500	$482,000 (+4.08%) Land $189,500 Building $292,500
2025	$3,311.00 (+35.59%)	$463,100 (+40.33%) Land $190,000 Building $273,100	$463,100 (+40.33%) Land $190,000 Building $273,100
2023	$2,442.00	$330,000 (-) Land $152,000 Building $178,000	$330,000 (-) Land $152,000 Building $178,000
2022	$2,442.00	$330,000 Land $152,000 Building $178,000	$330,000 Land $152,000 Building $178,000

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 June 9, 2026

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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