Stanly County property record for 431 E 5th St, Oakboro, NC 28129
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,435 sqft · built 1947 |
| Lot Size | 1.55 acres (67,518 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Jun 2021) |
| Tax Bill | $1,926 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 650403309952 |
| Primary APN | 650403309952 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,435 sqft Finished Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 67,518 sqft (1.55 acres) |
| Garage Area | 688 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1534739 |
|---|---|
| Street Address | 431 E 5TH ST |
| City | OAKBORO |
| State | NC |
| Zip | 28129-9318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 431 E 5TH ST LOT 1 650403301 |
| Legal Lot Number | 1 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | BIG LICK |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 930901 |
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 | 431 E 5TH ST, OAKBORO, NC 28129-9318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jun 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2021 · Amount on Record |
| Deed Sale | Jun 24, 2021 · Amount on Record |
| Prior Sale | Aug 23, 2019 · Amount on Record |
| Deed Document Number | 2021434487 |
| Deed Book / Page | 1746 / 1354 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 431 E 5TH ST, OAKBORO, NC 28129-9318 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000459216 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 1824/1024 |
| Instrument | 459216 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jun 24, 2021 |
| Property Address | 431 E 5TH ST, OAKBORO, NC 28129-9318 |
| Document Number | 0000434487 |
| Book / Page | 1746 / 1354 |
| Map Reference | MB 26 PG 268 |
| Instrument Date | Jun 23, 2021 |
| Instrument | 434487 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13512 AUSTIN RD, 13512, LOCUST, NC 28097-8218 |
| Name | Verified Name |
|---|---|
| Address | 431 E 5TH ST, OAKBORO, NC 28129-9318 |
| Document Number | 0000434488 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 434488 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Max Rate | 9.15% |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Oakboro Town |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,926.00 (+50.94%) | $198,655 (+58.72%) Land $49,100 Building $149,555 | $198,655 (+58.72%) Land $49,100 Building $149,555 |
| 2023 | $1,276.00 | $125,160 Land $31,900 Building $93,260 | $125,160 Land $31,900 Building $93,260 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 30, 2024 · 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 | 1 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF OAKBORO serves 3,173 people · EPA ID NC0184020 |
|---|---|
| Water Source | Purchased surface water from STANLY CO-WEST STANLY DIST |
| Last State Inspection | Feb 2025 |
| 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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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