513 Smith St, Albemarle, NC 28001 Property Records

Stanly County property record for 513 Smith St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1905
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Jun 2021)
Tax Bill	$1,182 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`654802773309`

Property Details

APN / Parcel Number

Primary APN	`654802773309`
Alternative APNs	`1534570` `24660`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,064 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	350 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Porch	Porch
Porch Area	192 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	1534570
Street Address	513 SMITH ST
City	ALBEMARLE
State	NC
Zip	28001-4352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	HSE 513 SMITH ST LTS 4 & 5 654811225
Legal Subdivision	E WEST S ESTRIDGE JR
Legal Lot Number	4-5
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	1
Census Block	1010
Census Tract	931204

Owner

513 Smith St is owned by two individuals who bought it in June 2021.

Source: Stanly County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	35296 PICKLER RD, ALBEMARLE, NC 28001-9659
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 28, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Aug 23, 2017	Loan Modification, Mortgage · Conventional Mortgage UWHARRIE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Deed Document Number	2021434584
Deed Book / Page	1747 / 261
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 28, 2021
Property Address	513 SMITH ST, ALBEMARLE, NC 28001-4352
Document Number	0000434584
Book / Page	1747 / 261
Map Reference	MB 2 PG 9
Instrument Date	Jun 28, 2021
Instrument	434584
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$184.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35296 PICKLER RD, ALBEMARLE, NC 28001-9659

Mortgage

Document Number	0000434585
Date	Jun 28, 2021
Instrument	434585

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2031

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANLY NC
Property Address	513 SMITH ST, ALBEMARLE, NC 28001-4352
Document Number	0000393594
Book / Page	001621 / 000796
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2300 ALBEMARLE NC 280022300, ALBEMARLE, NC 28002-2300

Mortgage

Document Number	0000393594
Date	Aug 30, 2017
Book Page	001621/000796
Instrument	393594

Lender

Name	UWHARRIE BK
Type	Bank
Address	ALBEMARLE, NC 28002-0338

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 513 Smith St was $1,182.

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,182.00	$105,621 Land $21,420 Building $84,201	$105,621 Land $21,420 Building $84,201
2023	$824.00	$67,560 Land $12,852 Building $54,708	$67,560 Land $12,852 Building $54,708

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

Flood

FEMA maps place 513 Smith St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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	3 in force
Nearby Flood Claims	4 (2012–2020)
Most Recent Claim	Jun 2020 · river or lake flooding

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 513 Smith St is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF ALBEMARLE serves 17,506 people · EPA ID NC0184010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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