406 Commerce St, Albemarle, NC 28001 Property Records

Stanly County property record for 406 Commerce St, Albemarle, NC 28001

Property Summary

Property Type	Commercial
Details	2 ba · 961 sqft · built 2004
Lot Size	1.05 acres (45,738 sqft)
Owner	Company Name on File
Last Sale	$135,000 (Mar 2022)
Tax Bill	$1,669 (2026)
Deeds & Mortgages	Mar 2022 Sale Aug 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`653702791845`

Property Details

APN / Parcel Number

Primary APN	`653702791845`
Alternative APNs	`1537943` `36793`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	961 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	1537943
Street Address	406 COMMERCE ST
City	ALBEMARLE
State	NC
Zip	28001-5762
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	GHBD
Legal Description	BLDG 406 COMMERCE ST PT LT 5 653702006
Legal Subdivision	STANLY COUNTY FARM BUREAU
Legal Lot Number	5
Jurisdiction	STANLY NC
Township / Civil Division	SOUTH ALBEMARLE
Census Block Group	3
Census Block	3033
Census Tract	931202

Owner

406 Commerce St, a commercial property, is owned by a company that bought it in March 2022.

Source: Stanly County records, as of October 6, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 302, BADIN, NC 28009-0302
Owner Type	Company
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Warranty Deed, Transfer
Aug 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Aug 18, 2017 · Amount on File
Deed Document Number	2022444644
Deed Book / Page	1778 / 1389
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Mar 16, 2022
Property Address	406 COMMERCE ST, ALBEMARLE, NC 28001-5762
Document Number	0000444644
Book / Page	1778 / 1389
Instrument Date	Mar 16, 2022
Instrument	444644
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 641, ALBEMARLE, NC 28002-0641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1350 NC 24 27 BYP W, ALBEMARLE, NC 28001

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Aug 18, 2017
Property Address	406 COMMERCE ST, ALBEMARLE, NC 28001-5762
Document Number	0000393274
Book / Page	001620 / 000545
Instrument Date	Aug 18, 2017
Instrument	393274
Transaction Type	Transfer
Record Updated	Sep 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 641 ALBEMARLE NC 280020641, ALBEMARLE, NC 28002-0641

Tax Assessment & Valuation

The 2026 property tax bill for 406 Commerce St was $1,669.

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Albemarle City
County	Stanly County
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,669.00	$149,027 (-) Land $90,400 Building $58,627	$149,027 (-) Land $90,400 Building $58,627
2025	$1,669.00	$149,027 Land $90,400 Building $58,627	$149,027 Land $90,400 Building $58,627
2023	$1,679.00	$137,644 Land $90,450 Building $47,194	$137,644 Land $90,450 Building $47,194

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

Flood

FEMA maps place 406 Commerce St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 30, 2024

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 406 Commerce St is low, with a 0.01% annual chance of 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	0.01% 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	CITY OF ALBEMARLE serves 17,506 people · EPA ID NC0184010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream.

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