415 Stephens Way, Youngsville, NC 27596 Property Records

Franklin County property record for 415 Stephens Way, Youngsville, NC 27596

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,663 sqft · built 2020
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$357,000 (Mar 2021)
Tax Bill	$2,971 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1853-85-8044`

Property Details

APN / Parcel Number

Primary APN	`1853-85-8044`
Alternative APNs	`044769` `8623`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,663 sqft Total Area
Basement Area	1,486 sqft
Finished Basement	1,486 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached - Finished
Garage Area	506 sqft
Porch	Patio
Porch Area	193 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	415 STEPHENS WAY
City	YOUNGSVILLE
State	NC
Zip	27596-8024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-3
Legal Subdivision	STEPHENS GLEN LOT
Legal Lot Number	42
Jurisdiction	FRANKLIN NC
Township / Civil Division	YOUNGSVILLE
Census Block Group	1
Census Block	1017
Census Tract	60502

Owner

415 Stephens Way is owned and occupied by an individual who bought it in March 2021.

Source: Franklin County records, as of June 8, 2026

Owner of Record	Individual Name on File
Mailing Address	415 STEPHENS WAY, YOUNGSVILLE, NC 27596-8024
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL FEDERAL CREDIT UNION
Mar 5, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2021 · Amount on File
Deed Sale	Mar 5, 2021 · Amount on File
Deed Book / Page	2244 / 2180
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NC
Recording Date	Jun 1, 2026
Property Address	415 STEPHENS WAY, YOUNGSVILLE, NC 27596-8024
Document Number	0010113975
Book / Page	2433 / 121
Instrument Date	May 18, 2026
Instrument	202610113975
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 STEPHENS WAY, YOUNGSVILLE, NC 27596-8024

Mortgage

Document Number	0010113975,
Date	Jun 1, 2026
Book Page	2433/121
Instrument	202610113975

Lender

Name	COASTAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NC
Recording Date	Mar 5, 2021
Property Address	415 STEPHENS WAY, YOUNGSVILLE, NC 27596-8024
Document Number	0022442180
Book / Page	2244 / 2180
Map Reference	MB 2019 PG 43-50
Instrument Date	Mar 5, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$714.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1106 S CLINTON AVE, 1106, DUNN, NC 28334-6315

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022442182
Date	Mar 5, 2021
Instrument	2244/2182

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 415 Stephens Way was $2,971.

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Franklin County
Unified School District	Franklin County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,971.00	$473,240 Land $92,000 Building $381,240	$473,240 Land $92,000 Building $381,240
2023	$2,716.00	$295,930 Land $51,750 Building $244,180	$295,930 Land $51,750 Building $244,180

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

Flood

FEMA maps place 415 Stephens Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 415 Stephens Way 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	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	FRANKLIN COUNTY WATER & SEWER serves 26,060 people · EPA ID NC0235030
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids currently in violation since Jul 2026 Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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