806 N Central Ave, Locust, NC 28097 Property Records

Stanly County property record for 806 N Central Ave, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,380 sqft · built 1964
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Jun 2025)
Tax Bill	$3,934 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557603418384`

Property Details

APN / Parcel Number

Primary APN	`557603418384`
Alternative APNs	`1538935` `1551890` `1328`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,380 sqft Finished Area
Basement Area	1,760 sqft
Unfinished Basement	1,760 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	100,188 sqft (2.3 acres)
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1551890
Street Address	806 N CENTRAL AVE
City	LOCUST
State	NC
Zip	28097-7135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPS
Legal Description	HSE 806 N CENTRAL AVE 557603052
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	3
Census Block	3020
Census Tract	930801

Owner

Source: Stanly County records, as of August 19, 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	806 N CENTRAL AVE, LOCUST, NC 28097-7135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage MONEY TREE CAPITAL MARKETS LLC
Jun 30, 2025	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Apr 8, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Apr 8, 2022 · Amount on Record
Deed Document Number	2025478929
Deed Book / Page	1887 / 969
Prior Transfer Date	Apr 1, 2016
Prior Transfer Doc	0000382445
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	806 N CENTRAL AVE, LOCUST, NC 28097-7135
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	WORLD WIDE LAND TRANSFER INC, WORLD WIDE LAND TRANSFER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000447916
Date	Jun 9, 2022
Book Page	1789/709
Instrument	447916

Lender

Name	MONEY TREE CAPITAL MARKETS LLC
Type	Non-Lending Institution
Address	NEW YORK, NY 10036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 30, 2025
Property Address	806 N CENTRAL AVE, LOCUST, NC 28097-7135
Document Number	0000478929
Book / Page	1887 / 969
Instrument Date	Jun 24, 2025
Instrument	478929
Transaction Type	Transfer
Record Updated	Oct 27, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,040.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 OLD FARMS RD, CHESHIRE, CT 06410-3773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 N CENTRAL AVE, LOCUST, NC 28097-7135

Mortgage

Document Number	0000478930
Date	Jun 30, 2025
Instrument	478930

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Apr 8, 2022
Property Address	806 N CENTRAL AVE, LOCUST, NC 28097-7135
Document Number	0000445656
Book / Page	1781 / 1668
Instrument Date	Apr 8, 2022
Instrument	445656
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount Recorded
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4180 TITE RD, 4180, STANFIELD, NC 28163-6605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 N CENTRAL AVE, LOCUST, NC 28097-7135

Tax Assessment & Valuation

Source: Stanly County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Stanly County
Municipality	Locust City
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,934.00 (+83.23%)	$427,613 (+117.02%) Land $77,100 Building $350,513	$427,613 (+117.02%) Land $77,100 Building $350,513
2023	$2,147.00	$197,035 Land $46,800 Building $150,235	$197,035 Land $46,800 Building $150,235

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

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	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STANFIELD #3-POLK FORD/RENEE FORD serves 854 people · EPA ID NC2084008
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

806 N Central Ave, Locust, NC 28097 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on N Central Ave

Nearby Streets

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