Stanly County property record for 602 Main St W, Locust, NC 28097
| Property Type | Commercial Office |
|---|---|
| Details | 4 ba · 3,117 sqft · built 1974 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Jul 2023) |
| Tax Bill | $6,320 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Aug 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 557503214884 |
| Primary APN | 557503214884 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,117 sqft Finished Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Combination |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Built-Up Asphalt |
| Lot Area | 23,087 sqft (0.53 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 1544143 |
|---|---|
| Street Address | 602 MAIN ST W |
| City | LOCUST |
| State | NC |
| Zip | 28097-9712 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | HC |
| Legal Description | BLDG 602 W MAIN ST DBA WATER OAK INVESTMENTS 557503056 |
| Legal Subdivision | BEAR INSURANCE SERVICE SURV |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 930801 |
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 | 602 MAIN ST W, LOCUST, NC 28097-9712 |
| Owner Type | Individual |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 31, 2023 | Warranty Deed, Transfer · Commercial Mortgage UWHARRIE BANK |
| Aug 24, 2022 | Warranty Deed, Transfer INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on Record |
| Deed Sale | Jul 31, 2023 · Amount on Record |
| Prior Sale | Aug 24, 2022 · Amount on Record |
| Deed Document Number | 2023460148 |
| Deed Book / Page | 1827 / 1133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jul 31, 2023 |
| Property Address | 602 MAIN ST W, LOCUST, NC 28097-9712 |
| Document Number | 0000460148 |
| Book / Page | 1827 / 1133 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 460148 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 99, MARSHVILLE, NC 28103-0099 |
| Name | Verified Name |
|---|---|
| Address | 300 E JOHN ST STE 118, 118, MATTHEWS, NC 28105-4939 |
| Document Number | 0000460149 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 460149 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 28, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 0000460151 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | 1827/1154 |
| Instrument | 460151 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | LOCUST, NC 28097 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Jan 28, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Aug 24, 2022 |
| Property Address | 602 MAIN ST W, LOCUST, NC 28097-9712 |
| Document Number | 0000450491 |
| Book / Page | 1797 / 173 |
| Instrument Date | Aug 24, 2022 |
| Instrument | 450491 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2023 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 99, MARSHVILLE, NC 28103-0099 |
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 | $6,320.00 | $686,999 (-) Land $268,975 Building $418,024 | $686,999 (-) Land $268,975 Building $418,024 |
| 2025 | $6,320.00 (+13.67%) | $686,999 (+34.66%) Land $268,975 Building $418,024 | $686,999 (+34.66%) Land $268,975 Building $418,024 |
| 2023 | $5,560.00 | $510,182 Land $199,810 Building $310,372 | $510,182 Land $199,810 Building $310,372 |
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 | 0.01% 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 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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