601 Elm St, Locust, NC 28097 Property Records

Stanly County property record for 601 Elm St, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1973
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,043 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`557504701655`

Property Details

APN / Parcel Number

Primary APN	`557504701655`
Alternative APNs	`31337` `33444`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Porch	Porch
Porch Area	150 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	33444
Street Address	601 ELM ST
City	LOCUST
State	NC
Zip	28097-7186
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Description	HSE 601 ELM ST 557504132
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	601 ELM ST, LOCUST, NC 28097-7186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	601 ELM ST, LOCUST, NC 28097-7186
Transaction Type	Mortgage
Record Updated	Jan 6, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440400
Date	Nov 19, 2021
Book Page	1765/1198
Instrument	440400

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	205 Months
Due	Dec 1, 2038

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Sep 9, 2020
Property Address	601 ELM ST, LOCUST, NC 28097-7186
Document Number	0000423495
Book / Page	001712 / 000351
Instrument Date	Aug 26, 2020
Instrument	423495
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 ELM ST LOCUST NC 280977186, LOCUST, NC 28097-7186

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	$2,043.00 (-20.78%)	$222,098 (+63.79%) Land $47,916 Building $174,182	$222,098 (+63.79%) Land $47,916 Building $174,182
2023	$2,579.00 (-0.19%)	$135,602 (-) Land $28,314 Building $107,288	$135,602 (-) Land $28,314 Building $107,288
2022	$2,584.00	$135,602 Land $28,314 Building $107,288	$135,602 Land $28,314 Building $107,288

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	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.

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