515 Elm St, Locust, NC 28097 Property Records

Stanly County property record for 515 Elm St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1989
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (May 2022)
Tax Bill	$2,230 (2026)
Deeds & Mortgages	May 2022 Sale May 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`557504609728`

Property Details

APN / Parcel Number

Primary APN	`557504609728`
Alternative APNs	`1529351` `1538870` `6071`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Composition/Composite
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,916 sqft (1.1 acres)
Porch	Porch
Porch Area	120 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	1538870
Street Address	515 ELM ST
City	LOCUST
State	NC
Zip	28097-7185
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Description	HSE 515 ELM ST 557504135
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2050
Census Tract	930801

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	515 ELM ST, LOCUST, NC 28097-7185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Warranty Deed, Transfer
May 15, 2020	Warranty Deed, Transfer THE TITLE SERVICES GROUP, THE TITLE CO/NC
Apr 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	May 15, 2020 · Amount on Record
Deed Document Number	2022447394
Deed Book / Page	1787 / 1163
Prior Transfer Date	Apr 1, 2019
Prior Transfer Doc	0000408448
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 26, 2022
Property Address	515 ELM ST, LOCUST, NC 28097-7185
Document Number	0000447394
Book / Page	1787 / 1163
Instrument Date	May 26, 2022
Instrument	447394
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4023 DAKEITA CIR, 4023, CONCORD, NC 28025-6963

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 ELM ST, LOCUST, NC 28097-7185

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 15, 2020
Property Address	515 ELM ST, LOCUST, NC 28097-7185
Document Number	0000419764
Book / Page	001700 / 001068
Instrument Date	May 15, 2020
Instrument	419764
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	THE TITLE SERVICES GROUP, THE TITLE CO/NC

Transaction

Amount	Amount Recorded
Tax	$394.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 ELM ST LOCUST NC 280977185, LOCUST, NC 28097-7185

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Apr 4, 2019
Property Address	515 ELM ST, LOCUST, NC 28097-7185
Document Number	0000408448
Book / Page	001667 / 000119
Instrument Date	Apr 1, 2019
Instrument	408448
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	315 ELM ST LOCUST NC 28097, LOCUST, NC 28097

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Feb 1, 2017
Property Address	515 ELM ST, LOCUST, NC 28097-7185
Document Number	0000387734
Book / Page	001596 / 000002
Instrument Date	Feb 1, 2017
Instrument	387734
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$228.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	515 ELM ST LOCUST NC 280977185, LOCUST, NC 28097-7185

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	$2,230.00 (+45.47%)	$242,423 (+72.36%) Land $56,700 Building $185,723	$242,423 (+72.36%) Land $56,700 Building $185,723
2023	$1,533.00	$140,653 Land $33,600 Building $107,053	$140,653 Land $33,600 Building $107,053

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	STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures