405 Maple St, Locust, NC 28097 Property Records

Stanly County property record for 405 Maple St, Locust, NC 28097 · Last verified October 2023

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1964
Square Footage	1,392 sqft Finished Area
Lot Size	34,412 sqft (0.789 acres)
Occupancy	Owner Occupied
Tax Bill	$599.00 (2023)

Property Details

APN / Parcel Number

Primary APN	`557501263335`
Alternative APNs	`14879` `21866`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,392 sqft Finished Area
Stories	1 Stories
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Exterior Material	Brick Veneer Exterior
Foundation Type	Masonry Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	34,412 sqft (0.789 acres)
Depth X Width	179 ft x 197 ft Depth x Width
Porch	1 Porch
Porch Area	208 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Electric Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	21866
Street Address	405 MAPLE ST
City	LOCUST
State	NC
Zip	28097-9579
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HSE 405 MAPLE ST LTS 3/4 557501061
Legal Subdivision	JEAN M WESSELMAN
Legal Lot Number	3
Jurisdiction	STANLY NC
Minor Civil Division	FURR
Census Blockgroup	1
Census Block	1012
Census Tract	930801

Owner

Source: Stanly County records · APN 557501263335

Assessment roll updated January 1, 2023 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	405 MAPLE ST, LOCUST, NC 28097-9579
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 24, 1994
Deed Sale	May 24, 1994
Deed Doc Number	0000551954
Record Refreshed	Jun 07, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	405 MAPLE ST, LOCUST, NC 28097-9579
Transaction Type	Mortgage
Record Updated	Sep 06, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MAPLE ST, LOCUST, NC 28097-9579

Mortgage

Document Number	0000435318
Date	Jul 19, 2021
Book Page	1749/952
Instrument	435318

Lender

Name	COGENT BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jun 18, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Stanly County records · Assessment roll updated January 1, 2023 · Last verified October 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$599.00 (+1.18%)	$139,333 (-) Land $29,041 Building $110,292	$139,333 (-) Land $29,041 Building $110,292
2022	$592.00	$139,333 Land $29,041 Building $110,292	$139,333 Land $29,041 Building $110,292

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stanly County (37167C), updated May 30, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.