Stanly County property record for 703 N Central Ave, Locust, NC 28097 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,363 sqft · built 1963 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $126,000 (Jul 2015) |
| Tax Bill | $1,773 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557501487777 |
| Primary APN | 557501487777 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,363 sqft Finished Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 200 ft deep x 125 ft wide |
| Garage Type | Carport |
| Garage Area | 273 sqft |
| Carport | Carport |
| Carport Area | 273 sqft |
| Porch | Porch |
| Porch Area | 84 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 1537540 |
|---|---|
| Street Address | 703 N CENTRAL AVE |
| City | LOCUST |
| State | NC |
| Zip | 28097-7134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 703 N CENTRAL AVE 557501097 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 930801 |
Source: Stanly County records · APN 557501487777
Assessment roll updated August 29, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 4012 PELHAM LN, MIDLAND, NC 28107-8404 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2023 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Feb 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2015 · Amount on Record |
| Deed Sale | Jul 31, 2015 · Amount on Record |
| Deed Document Number | 2015374132 |
| Deed Book / Page | 1533 / 379 |
| Prior Transfer Date | Oct 25, 2006 |
| Prior Transfer Doc | 0011480651 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 703 N CENTRAL AVE, LOCUST, NC 28097-7134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Name | Verified Name |
|---|---|
| Address | 703 N CENTRAL AVE, LOCUST, NC 28097-7134 |
| Document Number | 0000462038 |
|---|---|
| Date | Sep 28, 2023 |
| Book Page | 1833/1110 |
| Instrument | 462038 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | LOCUST, NC 28097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 14, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Feb 15, 2022 |
| Property Address | 703 N CENTRAL AVE, LOCUST, NC 28097-7134 |
| Document Number | 0000443524 |
| Book / Page | 1775 / 545 |
| Instrument Date | Feb 15, 2022 |
| Instrument | 443524 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10543 RED OAKS CT, 10543, MIDLAND, NC 28107-4710 |
| Name | Verified Name |
|---|---|
| Address | 4012 PELHAM LN, MIDLAND, NC 28107-8404 |
| Document Number | 0000443525 |
|---|---|
| Date | Feb 15, 2022 |
| Instrument | 443525 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2037 |
Source: Stanly County records · Assessment roll updated August 29, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Locust City |
| Unified School District | Stanly County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,773.00 (+18.2%) | $192,754 (+40.06%) Land $37,462 Building $155,292 | $192,754 (+40.06%) Land $37,462 Building $155,292 |
| 2023 | $1,500.00 | $137,623 Land $22,477 Building $115,146 | $137,623 Land $22,477 Building $115,146 |
Source: FEMA National Flood Hazard Layer, Stanly County (37167C), updated May 30, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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