405 Elm St, Locust, NC 28097 Property Records

Stanly County property record for 405 Elm St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,777 sqft · built 1998
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Mar 2022)
Tax Bill	$2,898 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`557504611482`

Property Details

APN / Parcel Number

Primary APN	`557504611482`
Alternative APNs	`1537806` `11971`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,777 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Garage Type	Attached
Garage Area	546 sqft
Porch	Porch
Porch Area	144 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1537806
Street Address	405 ELM ST
City	LOCUST
State	NC
Zip	28097-7184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Description	HSE 405 ELM ST 557504213
Legal Subdivision	PROPERTY OF CL SMITH ESTATE
Legal Tract	2
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2050
Census Tract	930801

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	Individual Name on Record
Mailing Address	405 ELM ST, LOCUST, NC 28097-7184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 1, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2022 · Amount on Record
Deed Sale	Mar 3, 2022 · Amount on Record
Deed Document Number	2022444123
Deed Book / Page	1777 / 472
Prior Transfer Date	Jul 3, 2013
Prior Transfer Doc	0000356878
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Mar 3, 2022
Property Address	405 ELM ST, LOCUST, NC 28097-7184
Document Number	0000444123
Book / Page	1777 / 472
Map Reference	MB 5 PG 198
Instrument Date	Mar 2, 2022
Instrument	444123
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ELM ST, LOCUST, NC 28097

Mortgage

Document Number	0000444124
Date	Mar 3, 2022
Instrument	444124

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Oct 1, 2020
Property Address	405 ELM ST, LOCUST, NC 28097-7184
Document Number	0000424325
Book / Page	001714 / 001634
Instrument Date	Sep 28, 2020
Instrument	424325
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 ELM ST LOCUST NC 28097, LOCUST, NC 28097

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Sep 27, 2019
Property Address	405 ELM ST, LOCUST, NC 28097-7184
Document Number	0000413331
Book / Page	001681 / 000233
Instrument Date	Sep 26, 2019
Instrument	413331
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ELM ST LOCUST NC 28097, LOCUST, NC 28097

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Jul 6, 2018
Property Address	405 ELM ST, LOCUST, NC 28097-7184
Document Number	0016481516
Book / Page	001648 / 401516
Instrument Date	May 1, 2018
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 58 LOCUST NC 280970058, LOCUST, NC 28097-0058

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	$2,898.00 (+38.13%)	$315,031 (+63.63%) Land $47,916 Building $267,115	$315,031 (+63.63%) Land $47,916 Building $267,115
2023	$2,098.00	$192,526 Land $28,314 Building $164,212	$192,526 Land $28,314 Building $164,212

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	STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 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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