Stanly County property record for 638 Love St, Albemarle, NC 28001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,310 sqft · built 1902 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,500 (Jun 2024) |
| Tax Bill | $2,238 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 653802972027 |
| Primary APN | 653802972027 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,310 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Combination |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,344 sqft (0.49 acres) |
| Lot Dimensions | 202 ft deep x 104 ft wide |
| Garage Type | Carport |
| Garage Area | 285 sqft |
| Carport | Carport |
| Carport Area | 285 sqft |
| Porch | Porch |
| Porch Area | 268 sqft |
| Deck Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 1547904 |
|---|---|
| Street Address | 638 LOVE ST |
| City | ALBEMARLE |
| State | NC |
| Zip | 28001-3710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8 |
| Legal Description | HSE 638 LOVE ST 653812126 |
| Legal Subdivision | AMERICAN & EFIRD MILLS |
| Jurisdiction | STANLY NC |
| Township / Civil Division | NORTH ALBEMARLE |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 930500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 638 LOVE ST, ALBEMARLE, NC 28001-3710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Nov 21, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2024 · Amount on Record |
| Deed Sale | Jun 27, 2024 · Amount on Record |
| Deed Document Number | 2024469248 |
| Deed Book / Page | 1856 / 1059 |
| Prior Transfer Date | Dec 4, 2014 |
| Prior Transfer Doc | 0000368709 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 638 LOVE ST, ALBEMARLE, NC 28001-3710 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000449472 |
|---|---|
| Date | Jul 25, 2022 |
| Book Page | 1793/1663 |
| Instrument | 449472 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Nov 21, 2018 |
| Property Address | 638 LOVE ST, ALBEMARLE, NC 28001-3710 |
| Document Number | 0000405185 |
| Book / Page | 001658 / 000178 |
| Instrument Date | Nov 21, 2018 |
| Instrument | 405185 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $161.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 638 LOVE ST ALBEMARLE NC 280013710, ALBEMARLE, NC 28001-3710 |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Albemarle City |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,238.00 (+147.84%) | $199,829 (+169.86%) Land $19,219 Building $180,610 | $199,829 (+169.86%) Land $19,219 Building $180,610 |
| 2023 | $903.00 | $74,049 Land $9,784 Building $64,265 | $74,049 Land $9,784 Building $64,265 |
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 · 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 Claims | 4 (1997–2003) |
| Most Recent Claim | Aug 2003 · 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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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