643 Mountain Pl, Albemarle, NC 28001 Property Records

Stanly County property record for 643 Mountain Pl, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 2021
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$237,500 (Jun 2021)
Tax Bill	$2,594 (2026)
Deeds & Mortgages	May 2026 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`656801093463`

Property Details

APN / Parcel Number

Primary APN	`656801093463`
Alternative APNs	`1534274` `15021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Finished Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1534274
Street Address	643 MOUNTAIN PL
City	ALBEMARLE
State	NC
Zip	28001-6614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	HSE 643 MOUNTAIN PL LT 142 656800140
Legal Subdivision	VICKERS PLANTATION
Legal Lot Number	142
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	2
Census Block	2031
Census Tract	930200

Owner

643 Mountain Pl is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	643 MOUNTAIN PL, ALBEMARLE, NC 28001-6614
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
May 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Jun 3, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STATE EMPLOYEES CU
Aug 27, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on File
Deed Sale	Jun 3, 2021 · Amount on File
Deed Document Number	2021433706
Deed Book / Page	1744 / 717
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Recording Date	May 4, 2026
Property Address	643 MOUNTAIN PL, ALBEMARLE, NC 28001-6614
Document Number	0000487451
Book / Page	1917 / 870
Instrument Date	Apr 29, 2026
Instrument	2026487451
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	LENDER RECORDING SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 MOUNTAIN PL, ALBEMARLE, NC 28001-6614

Mortgage

Document Number	0000487451,
Date	May 4, 2026
Book Page	1917/870
Instrument	2026487451

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 3, 2021
Property Address	643 MOUNTAIN PL, ALBEMARLE, NC 28001-6614
Document Number	0000433706
Book / Page	1744 / 717
Map Reference	MB 16 PG 7
Instrument Date	Jun 3, 2021
Instrument	433706
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 TIMBER LN, 500, WEDDINGTON, NC 28104-7758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 MOUNTAIN PL, ALBEMARLE, NC 28001-6614

Mortgage

Document Number	0000433707
Date	Jun 3, 2021
Instrument	433707

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Aug 27, 2020
Property Address	643 MOUNTAIN PL, ALBEMARLE, NC 28001-6614
Document Number	0000423097
Book / Page	001710 / 001435
Instrument Date	Aug 25, 2020
Instrument	423097
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$106.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 77034 CHARLOTTE NC 282717000, CHARLOTTE, NC 28271-7000

Tax Assessment & Valuation

The 2026 property tax bill for 643 Mountain Pl was $2,594.

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	$2,594.00	$231,643 (-) Land $27,514 Building $204,129	$231,643 (-) Land $27,514 Building $204,129
2025	$2,594.00	$231,643 Land $27,514 Building $204,129	$231,643 Land $27,514 Building $204,129
2023	$1,845.00	$151,279 Land $14,566 Building $136,713	$151,279 Land $14,566 Building $136,713

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

Flood

FEMA maps place 643 Mountain Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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 643 Mountain Pl is low, with a 0.02% 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	0.02% 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	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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Mountain Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures