Stanly County property record for 702 N Central Ave, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,410 sqft · built 1961 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Apr 2017) |
| Tax Bill | $2,085 (2026) |
| Deeds & Mortgages | Apr 2022 Line of Credit Apr 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 557501489795 |
| Primary APN | 557501489795 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,410 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Combination |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 266 sqft |
| Porch | Porch |
| Porch Area | 48 sqft |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 1516470 |
|---|---|
| Street Address | 702 N CENTRAL AVE |
| City | LOCUST |
| State | NC |
| Zip | 28097-7133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPS |
| Legal Description | HSE 702 N CENTRAL AVE 557501141 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 930801 |
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 | 702 N CENTRAL AVE, LOCUST, NC 28097-7133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2022 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Apr 11, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2017 · Amount on Record |
| Deed Sale | Apr 11, 2017 · Amount on Record |
| Deed Document Number | 2017389739 |
| Deed Book / Page | 1604 / 794 |
| Prior Transfer Date | Dec 6, 2016 |
| Prior Transfer Doc | 0000386421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 702 N CENTRAL AVE, LOCUST, NC 28097-7133 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 702 N CENTRAL AVE, LOCUST, NC 28097-7133 |
| Document Number | 0000445350 |
|---|---|
| Date | Apr 1, 2022 |
| Book Page | 1781/377 |
| Instrument | 445350 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | LOCUST, NC 28097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Mar 14, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Apr 11, 2017 |
| Property Address | 702 N CENTRAL AVE, LOCUST, NC 28097-7133 |
| Document Number | 0000389739 |
| Book / Page | 001604 / 000794 |
| Instrument Date | Apr 11, 2017 |
| Instrument | 389739 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $310.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 702 N CENTRAL AVE LOCUST NC 28097, LOCUST, NC 28097 |
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 | $2,085.00 (+25.23%) | $226,638 (+48.32%) Land $33,300 Building $193,338 | $226,638 (+48.32%) Land $33,300 Building $193,338 |
| 2023 | $1,665.00 | $152,807 Land $19,980 Building $132,827 | $152,807 Land $19,980 Building $132,827 |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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