415 S Central Ave, Locust, NC 28097 Property Records

Stanly County property record for 415 S Central Ave, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 1950
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Aug 2025)
Tax Bill	$2,867 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557503409533`

Property Details

APN / Parcel Number

Primary APN	`557503409533`
Alternative APNs	`1518751` `1552401` `3271`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,662 sqft Finished Area
Basement Area	1,490 sqft
Unfinished Basement	1,490 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1980
Exterior Material	Combination
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,590 sqft (0.84 acres)
Lot Dimensions	369 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Porch
Porch Area	576 sqft
Deck Area	347 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1552401
Street Address	415 S CENTRAL AVE
City	LOCUST
State	NC
Zip	28097-7142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	HSE 415 S CENTRAL AVE 557503180
Legal Subdivision	RONALD C TAYLOR & SANDRA S TAY
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2001
Census Tract	930802

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	2 Individual Names on Record
Mailing Address	415 S CENTRAL AVE, LOCUST, NC 28097-7142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK
Aug 29, 2025	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on Record
Deed Sale	Aug 29, 2025 · Amount on Record
Prior Sale	Dec 20, 2017 · Amount on Record
Deed Document Number	2025480582
Deed Book / Page	1892 / 1482
Prior Transfer Date	Apr 26, 2016
Prior Transfer Doc	0000380566
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	415 S CENTRAL AVE, LOCUST, NC 28097-7142
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440196
Date	Nov 15, 2021
Book Page	1765/85
Instrument	440196

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Aug 29, 2025
Property Address	415 S CENTRAL AVE, LOCUST, NC 28097-7142
Document Number	0000480582
Book / Page	1892 / 1482
Instrument Date	Aug 28, 2025
Instrument	480582
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$824.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 SIMPSON RD, LOCUST, NC 28097-9669

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 S CENTRAL AVE, LOCUST, NC 28097-7142

Mortgage

Document Number	0000480583
Date	Aug 29, 2025
Instrument	480583

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Max Rate	11.5%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Dec 20, 2017
Property Address	415 S CENTRAL AVE, LOCUST, NC 28097-7142
Document Number	0000396534
Book / Page	001634 / 000967
Instrument Date	Dec 19, 2017
Instrument	396534
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Tax	$450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	28159 POPLINS GROVE CHURCH RD #B ALBEMARLE NC 280018157, B, ALBEMARLE, NC 28001-8157

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	$2,867.00 (+8.27%)	$311,667 (+8.27%) Land $39,600 Building $272,067	$311,667 (+8.27%) Land $39,600 Building $272,067
2025	$2,648.00 (+11.73%)	$287,869 (+32.38%) Land $39,600 Building $248,269	$287,869 (+32.38%) Land $39,600 Building $248,269
2023	$2,370.00	$217,455 Land $23,400 Building $194,055	$217,455 Land $23,400 Building $194,055

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	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.

Drinking Water

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

Violations Reported to EPA

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.

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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