898 Hilltop Rd, Oakboro, NC 28129 Property Records

Stanly County property record for 898 Hilltop Rd, Oakboro, NC 28129

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,986 sqft · built 1948
Lot Size	2.1 acres (91,476 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (May 2023)
Tax Bill	$2,592 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`558504925333`

Property Details

APN / Parcel Number

Primary APN	`558504925333`
Alternative APNs	`1543370` `1525705` `138568`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,986 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	91,476 sqft (2.1 acres)
Garage Type	Attached
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1543370
Street Address	898 HILLTOP RD
City	OAKBORO
State	NC
Zip	28129-7412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSES 898 HILLTOP RD LOT 4 558504006
Legal Subdivision	MINOR SUBDIVISION PLAT OF THE MICTHELL
Legal Lot Number	4
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1011
Census Tract	930902

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	898 HILLTOP RD, OAKBORO, NC 28129-7412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Oct 9, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jul 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on Record
Deed Sale	May 15, 2023 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	2023457998
Deed Book / Page	1820 / 1411
Prior Transfer Date	Jul 16, 2019
Prior Transfer Doc	0000411350
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	May 15, 2023
Property Address	898 HILLTOP RD, OAKBORO, NC 28129-7412
Document Number	0000457998
Book / Page	1820 / 1411
Map Reference	MB 25 PG 59
Instrument Date	May 15, 2023
Instrument	457998
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	577 FOXWOOD DRIVE 898 HILLTOP ROAD, CONCORD, NC 28025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 HILLTOP RD, OAKBORO, NC 28129-7412

Mortgage

Document Number	0000457999
Date	May 15, 2023
Instrument	457999

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	898 HILLTOP RD, OAKBORO, NC 28129-7412
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 HILLTOP RD, OAKBORO, NC 28129-7412

Mortgage

Document Number	0000441743
Date	Dec 28, 2021
Book Page	1769/1629
Instrument	441743

Lender

Name	FIRST BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Oct 9, 2019
Property Address	898 HILLTOP RD, OAKBORO, NC 28129-7412
Document Number	0000413693
Book / Page	001682 / 000546
Instrument Date	Sep 25, 2019
Instrument	413693
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 HILLTOP RD OAKBORO NC 281297412, OAKBORO, NC 28129-7412

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANLY NC
Recording Date	Jul 22, 2019
Property Address	898 HILLTOP RD, OAKBORO, NC 28129-7412
Document Number	0000411350
Book / Page	001675 / 000693
Instrument Date	Jul 16, 2019
Instrument	411350
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	898 HILLTOP RD OAKBORO NC 281297412, OAKBORO, NC 28129-7412

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,592.00 (+67.23%)	$411,507 (+93.74%) Land $91,100 Building $320,407	$411,507 (+93.74%) Land $91,100 Building $320,407
2023	$1,550.00 (+1.37%)	$212,403 (-) Land $30,750 Building $181,653	$212,403 (-) Land $30,750 Building $181,653
2022	$1,529.00	$212,403 Land $30,750 Building $181,653	$212,403 Land $30,750 Building $181,653

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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

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-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035
Water Source	Purchased surface water from CITY OF ALBEMARLE
Last State Inspection	Apr 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Windstream DSL · Fiber in parts of the area	25 / 3

May also be available: AT&T, Spectrum, Verizon.

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