522 Church St, Locust, NC 28097 Property Records

Stanly County property record for 522 Church St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 2014
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on Record
Last Sale	$435,000 (May 2022)
Tax Bill	$3,021 (2026)
Deeds & Mortgages	Apr 2021 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557401296442`

Property Details

APN / Parcel Number

Primary APN	`557401296442`
Alternative APNs	`1536536` `1524596` `37302`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,736 sqft Finished Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	504 sqft
Porch	Porch
Porch Area	76 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1536536
Street Address	522 CHURCH ST
City	LOCUST
State	NC
Zip	28097-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Description	HSE 522 CHURCH ST LT 78 REDAH ACRES PH 4 557401215
Legal Subdivision	REDAH ACRES PH 4
Legal Lot Number	78
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	Company Name on Record
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
May 26, 2022	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
May 6, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	May 6, 2019 · Amount on Record
Deed Document Number	2022447407
Deed Book / Page	1787 / 1276
Prior Transfer Date	May 2, 2012
Prior Transfer Doc	0000346099
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	522 CHURCH ST, LOCUST, NC 28097-9606
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 CHURCH ST, LOCUST, NC 28097-9606

Mortgage

Document Number	0000431569
Date	Apr 13, 2021
Book Page	1737/1627
Instrument	431569

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Jun 1, 2049

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 26, 2022
Property Address	522 CHURCH ST, LOCUST, NC 28097-9606
Document Number	0000447407
Book / Page	1787 / 1276
Map Reference	MB 19 PG 250
Instrument Date	May 25, 2022
Instrument	447407
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 HARRISON LN, LOCUST, NC 28097-8009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 6, 2019
Property Address	522 CHURCH ST, LOCUST, NC 28097-9606
Document Number	0000409279
Book / Page	001669 / 000728
Instrument Date	May 6, 2019
Instrument	409279
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$478.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 CHURCH ST LOCUST NC 280979606, LOCUST, NC 28097-9606

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	$3,021.00 (+19.41%)	$328,378 (+41.47%) Land $80,000 Building $248,378	$328,378 (+41.47%) Land $80,000 Building $248,378
2023	$2,530.00	$232,124 Land $44,000 Building $188,124	$232,124 Land $44,000 Building $188,124

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

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	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	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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

522 Church St, Locust, NC 28097 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Church St

Nearby Streets

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