Lincoln County property record for 7470 Common Oak Dr, Stanley, NC 28164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,089 sqft · built 2005 |
| Lot Size | 0.592 acres (25,788 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $333,000 (Sep 2005) |
| Tax Bill | $3,641 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4601-86-1529 |
| Primary APN | 4601-86-1529 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,089 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Construction Type | Concrete |
| Lot Area | 25,788 sqft (0.592 acres) |
| Storage Building | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 187401 |
|---|---|
| Street Address | 7470 COMMON OAK DR |
| City | STANLEY |
| State | NC |
| Zip | 28164-7817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-MU CU |
| Legal Description | #274 GATES @ W/SIDE PH IX |
| Legal Subdivision | GATES WATERSIDE XING |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 71102 |
7470 Common Oak Dr is owned and occupied by two individuals who bought it in September 2005.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7470 COMMON OAK DR, STANLEY, NC 28164-7817 |
| 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.
| Date | Document |
|---|---|
| Dec 4, 2025 | Deed of Trust, Mortgage · Line of Credit SKYLA FCU |
| Sep 14, 2021 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Mar 16, 2017 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2005 · Amount on File |
| Deed Sale | Sep 1, 2005 · Amount on File |
| Prior Sale | Mar 31, 2005 · Amount on File |
| Deed Document Number | 200514304 |
| Deed Book / Page | 1737 / 243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7470 COMMON OAK DR, STANLEY, NC 28164-7817 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 7470 COMMON OAK DR, STANLEY, NC 28164-7817 |
| Document Number | 0003460797 |
|---|---|
| Date | Dec 4, 2025 |
| Book Page | 3460/797 |
| Instrument | 702775 |
| Name | SKYLA FCU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTE, NC 28209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 15, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7470 COMMON OAK DR, STANLEY, NC 28164-7817 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 3083764 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 3083/764 |
| Instrument | 638634 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | DENVER, NC 28037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7470 COMMON OAK DR, STANLEY, NC 28164-7817 |
| Document Number | 2654869 |
| Book / Page | 002654 / 000869 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2017 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7470 COMMON OAK DR STANLEY NC 281647817, STANLEY, NC 28164-7817 |
| Document Number | 2654869 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 002654/000869 |
| Instrument | 560580 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 26, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 7470 Common Oak Dr was $3,641.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,641.00 | $579,664 Land $82,000 Building $497,664 | $579,664 Land $82,000 Building $497,664 |
| 2023 | $3,606.00 | $579,664 Land $82,000 Building $497,664 | $579,664 Land $82,000 Building $497,664 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7470 Common Oak Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · 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 | 2 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 risk around 7470 Common Oak Dr is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 278 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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