89 Spruce St, Badin, NC 28009 Property Records

Stanly County property record for 89 Spruce St, Badin, NC 28009

Property Summary

Property Type	Duplex
Details	3 bd · 1 ba · 1,348 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,000 (Sep 2025)
Tax Bill	$880 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`666004833071`

Property Details

APN / Parcel Number

Primary APN	`666004833071`
Alternative APNs	`1552786` `12869` `3366`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,348 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1940
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	130 ft deep x 51 ft wide
Porch	Porch
Porch Area	160 sqft
Deck Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	1552786
Street Address	89 SPRUCE ST
City	BADIN
State	NC
Zip	28009
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-10
Legal Description	HSE 89 SPRUCE ST 666016256
Legal Subdivision	TALLASSEE POWER COMPANYS PLAN
Legal Lot Number	4
Jurisdiction	STANLY NC
Township / Civil Division	NORTH ALBEMARLE
Census Block Group	3
Census Block	3021
Census Tract	930200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Badin Historic District listed 1983 · 208 contributing resources · NRIS 83004000

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	2 Individual Names on Record
Mailing Address	PO BOX 198, BADIN, NC 28009-0198
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Deed Document Number	2025481306
Deed Book / Page	1895 / 693
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Sep 25, 2025
Property Address	89 SPRUCE ST, BADIN, NC 28009
Document Number	0000481306
Book / Page	1895 / 693
Map Reference	MB 2 PG 80
Instrument Date	Sep 15, 2025
Instrument	481306
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$326.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 416, BADIN, NC 28009-0416

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 198, BADIN, NC 28009-0198

Mortgage

Document Number	0000481307
Date	Sep 25, 2025
Instrument	481307

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$880.00	$84,875 (-) Land $15,820 Building $69,055	$84,875 (-) Land $15,820 Building $69,055
2025	$880.00 (+60.88%)	$84,875 (+76.4%) Land $15,820 Building $69,055	$84,875 (+76.4%) Land $15,820 Building $69,055
2023	$547.00	$48,114 Land $5,752 Building $42,362	$48,114 Land $5,752 Building $42,362

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 Policies	1 in force
Nearby Flood Claims	2 (2003–2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2005 · other causes

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	STANLY CO-PALESTINE-BADIN DIST serves 1,964 people · EPA ID NC0184141
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 291 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20