431 E 3rd St, Oakboro, NC 28129 Property Records

Stanly County property record for 431 E 3rd St, Oakboro, NC 28129 · Last verified April 2024

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1962
Square Footage	1,516 sqft Finished Area
Lot Size	16,553 sqft (0.38 acres)
Occupancy	Owner Occupied
Last Sale	$270,000 (2024)
Tax Bill	$774.00 (2023)

Property Details

APN / Parcel Number

Primary APN	`650403406339`
Alternative APNs	`1514670` `7120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,516 sqft Finished Area
Stories	1 Stories
Primary Flooring	Wood Flooring

Exterior

Year Built	Built 1962
Exterior Material	Combination Exterior
Foundation Type	Masonry Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	16,553 sqft (0.38 acres)
Depth X Width	151 ft x 85 ft Depth x Width
Porch	1 Porch
Porch Area	90 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Oil Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1514670
Street Address	431 E 3RD ST
City	OAKBORO
State	NC
Zip	28129-9007
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HSE 431 E 3RD ST 650403213
Legal Subdivision	JAMES R EFIRD PROP
Jurisdiction	STANLY NC
Minor Civil Division	BIG LICK
Census Blockgroup	1
Census Block	1017
Census Tract	930901

Owner

Source: Stanly County records · APN 650403406339

Assessment roll updated January 1, 2023 · Last verified April 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	431 E 3RD ST, OAKBORO, NC 28129-9007
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 11, 2024 · Amount on Record
Deed Sale	Jan 11, 2024 · Amount on Record
Prior Sale	Sep 16, 2016 · Amount on Record
Deed Doc Number	464576
Deed Book / Page	1842 / 813
Record Refreshed	Jun 07, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jan 11, 2024
Property Address	431 E 3RD ST, OAKBORO, NC 28129-9007
Document Number	0000464576
Book / Page	1842 / 813
Instrument Date	Jan 10, 2024
Instrument	464576
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8090 DULL RD, CLEMMONS, NC 27012-8016

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	431 E 3RD ST, OAKBORO, NC 28129-9007

Mortgage

Document Number	0000464577
Date	Jan 11, 2024
Instrument	464577

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.27%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Feb 01, 2029
Change Frequency	5 Years
Min Rate At Change	5.27%
Max Rate At Change	9.27%
Index	5-Year CMT
Max Rate	13.2%

Tax Assessment & Valuation

Source: Stanly County records · Assessment roll updated January 1, 2023 · Last verified April 2024

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$774.00	$75,934 Land $11,556 Building $64,378	$75,934 Land $11,556 Building $64,378

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stanly County (37167C), updated May 30, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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