540 Snuggs St, Albemarle, NC 28001 Property Records

Stanly County property record for 540 Snuggs St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,532 sqft · built 1940
Lot Size	1.97 acres (85,813 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,622 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`654903024286`

Property Details

APN / Parcel Number

Primary APN	`654903024286`
Alternative APNs	`26765` `30465`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,532 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1965
Exterior Material	Wood Siding
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	85,813 sqft (1.97 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	114 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	30465
Street Address	540 SNUGGS ST
City	ALBEMARLE
State	NC
Zip	28001-2747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	HSE 540 SNUGGS ST 654917100
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	1
Census Block	1005
Census Tract	930500

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	540 SNUGGS ST, ALBEMARLE, NC 28001-2747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	540 SNUGGS ST, ALBEMARLE, NC 28001-2747
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000483233
Date	Dec 1, 2025
Book Page	1902/252
Instrument	483233

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,622.00 (+174.92%)	$144,846 (+41.24%) Land $35,745 Building $109,101	$144,846 (+41.24%) Land $35,745 Building $109,101
2023	$590.00	$102,553 (-) Land $19,577 Building $82,976	$102,553 (-) Land $19,577 Building $82,976
2022	$590.00	$102,553 Land $19,577 Building $82,976	$102,553 Land $19,577 Building $82,976

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 · 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	2 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Jul 1997 · rainfall accumulation

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

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	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 147 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