510 S Central Ave, Locust, NC 28097 Property Records

Stanly County property record for 510 S Central Ave, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,280 sqft · built 1948
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jul 2026)
Tax Bill	$1,537 (2026)
Deeds & Mortgages	Jul 2026 Sale Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557503407253`

Property Details

APN / Parcel Number

Primary APN	`557503407253`
Alternative APNs	`1541770` `1533299` `1556366` `19434`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,280 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	195 ft deep x 115 ft wide
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Porch	Porch
Porch Area	126 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1556366
Street Address	510 S CENTRAL AVE
City	LOCUST
State	NC
Zip	28097-7143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Description	HSE 510 S CENTRAL AVE 557503194
Legal Subdivision	02 HWY 200
Legal Tract	1
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1031
Census Tract	930801

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	510 S CENTRAL AVE, LOCUST, NC 28097-7143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 18, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Jan 18, 2023 · Amount on Record
Deed Document Number	2026489621
Deed Book / Page	1925 / 315
Prior Transfer Date	Aug 29, 2012
Prior Transfer Doc	0000349913
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jul 10, 2026
Property Address	510 S CENTRAL AVE, LOCUST, NC 28097-7143
Document Number	0000489621
Book / Page	1925 / 315
Instrument Date	Jul 10, 2026
Instrument	2026489621
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$43,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 S CENTRAL AVE, LOCUST, NC 28097-7143

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jan 18, 2023
Property Address	510 S CENTRAL AVE, LOCUST, NC 28097-7143
Document Number	0000454725
Book / Page	1810 / 1106
Instrument Date	Jan 15, 2023
Instrument	454725
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	784 REAFORD RD, WINSTON SALEM, NC 27104-3378

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 S CENTRAL AVE, LOCUST, NC 28097-7143

Mortgage

Document Number	0000454726
Date	Jan 18, 2023
Instrument	454726

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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	$1,537.00	$167,094 (-) Land $40,018 Building $127,076	$167,094 (-) Land $40,018 Building $127,076
2025	$1,537.00 (+39.47%)	$167,094 (+65.21%) Land $40,018 Building $127,076	$167,094 (+65.21%) Land $40,018 Building $127,076
2023	$1,102.00 (+0.92%)	$101,142 (-) Land $23,647 Building $77,495	$101,142 (-) Land $23,647 Building $77,495
2022	$1,092.00	$101,142 Land $23,647 Building $77,495	$101,142 Land $23,647 Building $77,495

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

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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