Stanly County property record for 411 Elm St, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,354 sqft · built 1968 |
| Lot Size | 2.05 acres (89,298 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,414 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557504616224 |
| Primary APN | 557504616224 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,354 sqft Finished Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 89,298 sqft (2.05 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 800 sqft |
| Porch | Porch |
| Porch Area | 48 sqft |
| Patio Area | 840 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Account Number | 247127 |
|---|---|
| Street Address | 411 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 411 ELM ST 557504047 |
| Legal Subdivision | CL SMITH ESTATES |
| Legal Lot Number | 3 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 930801 |
411 Elm St is owned by two individuals who acquired it in March 2016.
Source: Stanly County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 296, LOCUST, NC 28097-0296 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 15, 2016 |
| Transfer Doc | 0000379491 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 411 ELM ST, LOCUST, NC 28097-7184 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000434892 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 1748/431 |
| Instrument | 434892 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2031 |
The 2026 property tax bill for 411 Elm St was $3,414.
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 | $3,414.00 | $371,179 Land $72,850 Building $298,329 | $371,179 Land $72,850 Building $298,329 |
| 2023 | $2,706.00 | $248,266 Land $44,050 Building $204,216 | $248,266 Land $44,050 Building $204,216 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 411 Elm St in Zone X, an area of minimal flood risk.
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 risk around 411 Elm St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
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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