404 S Central Ave, Locust, NC 28097 Property Records

Stanly County property record for 404 S Central Ave, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,400 sqft · built 1940
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jan 2022)
Tax Bill	$2,754 (2023)
Deeds & Mortgages	Jun 2023 Line of Credit Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557503407855`

Property Details

APN / Parcel Number

Primary APN	`557503407855`
Alternative APNs	`1537309` `23438`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,400 sqft Finished Area
Flooring	Carpet
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Exterior Material	Combination
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	170 ft deep x 164 ft wide
Porch	Porch
Porch Area	12 sqft
Deck Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1537309
Street Address	404 S CENTRAL AVE
City	LOCUST
State	NC
Zip	28097-7142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	HSE 404 S CENTRAL AVE 557503192
Legal Subdivision	SUNSET PARK
Legal Lot Number	1
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1031
Census Tract	930801

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	404 S CENTRAL AVE, LOCUST, NC 28097-7142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jan 27, 2022	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Apr 2, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Feb 11, 2015
Deed Document Number	0000177361
Deed Book / Page	1773 / 61
Record Updated	Jun 7, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	404 S CENTRAL AVE, LOCUST, NC 28097-7142
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000458941
Date	Jun 16, 2023
Book Page	1823/1417
Instrument	458941

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jan 27, 2022
Property Address	404 S CENTRAL AVE, LOCUST, NC 28097-7142
Document Number	0000442759
Book / Page	1773 / 61
Map Reference	MB 6 PG 88
Instrument Date	Jan 27, 2022
Instrument	442759
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	879 W STANLY ST, 879, STANFIELD, NC 28163-6741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 S CENTRAL AVE, LOCUST, NC 28097-7142

Mortgage

Document Number	0000442760
Date	Jan 27, 2022
Instrument	442760

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Apr 2, 2018
Property Address	404 S CENTRAL AVE, LOCUST, NC 28097-7142
Document Number	0000398904
Book / Page	001641 / 000010
Instrument Date	Mar 29, 2018
Instrument	398904
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13890 HOPEWELL CHURCH RD MIDLAND NC 281078252, MIDLAND, NC 28107-8252

Tax Assessment & Valuation

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

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
2023	$2,754.00	$252,748 Land $27,119 Building $225,629	$252,748 Land $27,119 Building $225,629

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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