830 Lowder St, Albemarle, NC 28001 Property Records

Stanly County property record for 830 Lowder St, Albemarle, NC 28001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,633 sqft · built 1902
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Apr 2025)
Tax Bill	$1,002 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`653802955010`

Property Details

APN / Parcel Number

Primary APN	`653802955010`
Alternative APNs	`1550987` `1534598` `22155`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,633 sqft Finished Area
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1942
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	188 ft deep x 64 ft wide
Garage Type	Carport
Garage Area	594 sqft
Carport	Carport
Carport Area	594 sqft
Porch	Porch
Porch Area	580 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	1550987
Street Address	830 LOWDER ST
City	ALBEMARLE
State	NC
Zip	28001-4620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	HSE 830 LOWDER ST 653816139
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	3
Census Block	3048
Census Tract	930500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	830 LOWDER ST, ALBEMARLE, NC 28001-4620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2025476932
Deed Book / Page	1880 / 1442
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 30, 2021
Property Address	830 LOWDER ST, ALBEMARLE, NC 28001-4620
Document Number	0000434688
Book / Page	1747 / 867
Instrument Date	Jun 28, 2021
Instrument	434688
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10826 TYLER BROOK LN, 10826, MINT HILL, NC 28227-7301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33127 OLD SALISBURY RD, ALBEMARLE, NC 28001-8339

Mortgage

Document Number	0000434689
Date	Jun 30, 2021
Instrument	434689

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	1-Year LIBOR
Max Rate	9.15%

Tax Assessment & Valuation

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	$1,002.00 (+31.84%)	$89,546 (+43.58%) Land $11,616 Building $77,930	$89,546 (+43.58%) Land $11,616 Building $77,930
2023	$760.00	$62,368 Land $5,913 Building $56,455	$62,368 Land $5,913 Building $56,455

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 · 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 Claims	4 (1997–2003)
Most Recent Claim	Aug 2003 · rainfall accumulation

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

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	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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20