Stanly County property record for 557 Church St, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,681 sqft · built 2007 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Sep 2022) |
| Tax Bill | $3,983 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557401287936 |
| Primary APN | 557401287936 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,681 sqft Finished Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 585 sqft |
| Porch | Porch |
| Porch Area | 252 sqft |
| Deck Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 1540524 |
|---|---|
| Street Address | 557 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 557 CHURCH ST LT 88 REDAH ACRES PH 4 557401225 |
| Legal Subdivision | REDAH ACRES PH 4 |
| Legal Lot Number | 88 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 930801 |
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 | 557 CHURCH ST, LOCUST, NC 28097-9606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2022 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2022 · Amount on Record |
| Deed Sale | Sep 23, 2022 · Amount on Record |
| Prior Sale | Jul 1, 2008 · Amount on Record |
| Deed Document Number | 2022451492 |
| Deed Book / Page | 1800 / 447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Sep 23, 2022 |
| Property Address | 557 CHURCH ST, LOCUST, NC 28097-9606 |
| Document Number | 0000451492 |
| Book / Page | 1800 / 447 |
| Map Reference | MB 19 PG 250 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 451492 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27186 PEACEFUL LN, LOCUST, NC 28097-8408 |
| Name | Verified Name |
|---|---|
| Address | 557 CHURCH ST, LOCUST, NC 28097-9606 |
| Document Number | 0000451493 |
|---|---|
| Date | Sep 23, 2022 |
| Instrument | 451493 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 557 CHURCH ST, LOCUST, NC 28097-9606 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000442639 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 1772/969 |
| Instrument | 442639 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Locust City |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,983.00 (+25.96%) | $433,033 (+49.27%) Land $80,000 Building $353,033 | $433,033 (+49.27%) Land $80,000 Building $353,033 |
| 2023 | $3,162.00 | $290,093 Land $44,000 Building $246,093 | $290,093 Land $44,000 Building $246,093 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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