603 Smith St, Albemarle, NC 28001 Property Records

Stanly County property record for 603 Smith St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 2008
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Feb 2019)
Tax Bill	$3,238 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`654802773679`

Property Details

APN / Parcel Number

Primary APN	`654802773679`
Alternative APNs	`1523366` `35883`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,884 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Attached
Garage Area	576 sqft
Porch	Porch
Porch Area	316 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	1523366
Street Address	603 SMITH ST
City	ALBEMARLE
State	NC
Zip	28001-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	HSE 603 SMITH ST PT LTS 3/5 PB 18/202 654802004
Legal Subdivision	E WEST S ESTRIDGE JR
Legal Lot Number	3
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	1
Census Block	1010
Census Tract	931204

Owner

603 Smith St is owned and occupied by two individuals who bought it in February 2019.

Source: Stanly County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	603 SMITH ST, ALBEMARLE, NC 28001-3021
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Oct 20, 2021	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Feb 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Feb 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 18, 2017	Loan Modification, Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on File
Deed Sale	Feb 19, 2019 · Amount on File
Prior Sale	Oct 29, 2008 · Amount on File
Deed Document Number	2019407223
Deed Book / Page	1663 / 1265
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	603 SMITH ST, ALBEMARLE, NC 28001-3021
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000463109
Date	Nov 6, 2023
Book Page	1837/65
Instrument	463109

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	603 SMITH ST, ALBEMARLE, NC 28001-3021
Transaction Type	Mortgage
Record Updated	Jan 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439099
Date	Oct 20, 2021
Book Page	1761/1102
Instrument	439099

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Feb 19, 2019
Property Address	603 SMITH ST, ALBEMARLE, NC 28001-3021
Document Number	0000407223
Book / Page	001663 / 001265
Instrument Date	Feb 19, 2019
Instrument	407223
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$498.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1110 PEE DEE AVE ALBEMARLE NC 280015104, ALBEMARLE, NC 28001-5104

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Feb 19, 2019
Property Address	603 SMITH ST, ALBEMARLE, NC 28001-3021
Document Number	0000407222
Book / Page	001663 / 001262
Instrument Date	Feb 19, 2019
Instrument	407222
Transaction Type	Transfer
Record Updated	Mar 6, 2019
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	603 SMITH ST ALBEMARLE NC 280013021, ALBEMARLE, NC 28001-3021

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANLY NC
Property Address	603 SMITH ST, ALBEMARLE, NC 28001-3021
Document Number	0000393963
Book / Page	001623 / 000402
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 20, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	603 SMITH ST ALBEMARLE NC 280013021, ALBEMARLE, NC 28001-3021

Mortgage

Document Number	0000393963
Date	Sep 14, 2017
Book Page	001623/000402
Instrument	393963

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 603 Smith St was $3,238.

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	$3,238.00	$289,136 (-) Land $35,400 Building $253,736	$289,136 (-) Land $35,400 Building $253,736
2025	$3,238.00	$289,136 Land $35,400 Building $253,736	$289,136 Land $35,400 Building $253,736
2023	$2,894.00	$237,221 Land $21,240 Building $215,981	$237,221 Land $21,240 Building $215,981

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

Flood

FEMA maps place 603 Smith St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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	3 in force
Nearby Flood Claims	4 (2012–2020)
Most Recent Claim	Jun 2020 · river or lake flooding

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

Wildfire risk around 603 Smith St is low, with a 0.01% annual chance of 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	0.01% 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.

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 254 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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