Stanly County property record for 406 Church St, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,452 sqft · built 2007 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $178,000 (Sep 2017) |
| Tax Bill | $2,640 (2026) |
| Deeds & Mortgages | Jul 2025 Mortgage Jul 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 557401297801 |
| Primary APN | 557401297801 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,452 sqft Finished Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Porch |
| Porch Area | 200 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 1539449 |
|---|---|
| Street Address | 406 CHURCH ST |
| City | LOCUST |
| State | NC |
| Zip | 28097-9697 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Description | HSE 406 CHURCH ST LT 6 ABIS PLACE PH 1 557401201 |
| Legal Subdivision | ABIS PLACE PH 1 |
| Legal Lot Number | 6 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 930801 |
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 | 406 CHURCH ST, LOCUST, NC 28097-9697 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2025 | Deed of Trust, Mortgage · FHA Mortgage ALABAMA HOUSING FINANCE AUTHORITY |
| Jul 8, 2022 | Intrafamily Transfer, Transfer |
| Sep 14, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2017 · Amount on Record |
| Deed Sale | Sep 14, 2017 · Amount on Record |
| Prior Sale | Jan 1, 2011 |
| Deed Document Number | 2017393985 |
| Deed Book / Page | 1623 / 513 |
| Last Transfer Date | Jun 3, 2022 |
| Transfer Doc | 0000448971 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 406 CHURCH ST, LOCUST, NC 28097-9697 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 406 CHURCH ST, LOCUST, NC 28097-9697 |
| Document Number | 0000479091 |
|---|---|
| Date | Jul 7, 2025 |
| Book Page | 1888/140 |
| Instrument | 479091 |
| Name | ALABAMA HOUSING FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | MONTGOMERY, AL 36117 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 267 Months |
| Due | Oct 1, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jul 8, 2022 |
| Property Address | 406 CHURCH ST, LOCUST, NC 28097-9697 |
| Document Number | 0000448971 |
| Book / Page | 1792 / 997 |
| Map Reference | MB 19 PG 231 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 448971 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 116 HUNTER CT, 116, OAKBORO, NC 28129-9407 |
| Name | Verified Name |
|---|---|
| Address | 406 CHURCH ST, LOCUST, NC 28097-9697 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Sep 14, 2017 |
| Property Address | 406 CHURCH ST, LOCUST, NC 28097-9697 |
| Document Number | 0000393985 |
| Book / Page | 001623 / 000513 |
| Instrument Date | Sep 14, 2017 |
| Instrument | 393985 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $356.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 406 CHURCH ST LOCUST NC 280979697, LOCUST, NC 28097-9697 |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Locust City |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,640.00 | $287,013 (-) Land $65,000 Building $222,013 | $287,013 (-) Land $65,000 Building $222,013 |
| 2025 | $2,640.00 (+14.04%) | $287,013 (+35.13%) Land $65,000 Building $222,013 | $287,013 (+35.13%) Land $65,000 Building $222,013 |
| 2023 | $2,315.00 | $212,403 Land $55,000 Building $157,403 | $212,403 Land $55,000 Building $157,403 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.01% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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