Stanly County property record for 931 Smith St, Albemarle, NC 28001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,764 sqft · built 1954 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Aug 2023) |
| Tax Bill | $2,741 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 654802793237 |
| Primary APN | 654802793237 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,764 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Porch | Porch |
| Porch Area | 64 sqft |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 1544644 |
|---|---|
| Street Address | 931 SMITH ST |
| City | ALBEMARLE |
| State | NC |
| Zip | 28001-3027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | HSE 931 SMITH ST 654807202 |
| Legal Lot Number | 15/18 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | NORTH ALBEMARLE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 931204 |
931 Smith St is owned and occupied by two individuals who bought it in August 2023.
Source: Stanly County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 931 SMITH ST, ALBEMARLE, NC 28001-3027 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2023 · Amount on File |
| Deed Sale | Aug 31, 2023 · Amount on File |
| Prior Sale | Jan 1, 2012 |
| Deed Document Number | 2023461171 |
| Deed Book / Page | 1831 / 42 |
| Prior Transfer Date | Jul 18, 2011 |
| Prior Transfer Doc | 0000339157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Aug 31, 2023 |
| Property Address | 931 SMITH ST, ALBEMARLE, NC 28001-3027 |
| Document Number | 0000461171 |
| Book / Page | 1831 / 42 |
| Map Reference | MB 2 PG 198 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 461171 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 9TH ST, ELIZABETHTOWN, NC 28337-5078 |
| Name | Verified Name |
|---|---|
| Address | 931 SMITH ST, ALBEMARLE, NC 28001-3027 |
| Document Number | 0000461172 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 461172 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.65% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.65% |
| Max Rate At Change | 8.65% |
| Index | 5-Year CMT |
| Max Rate | 12.6% |
The 2026 property tax bill for 931 Smith St was $2,741.
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Albemarle City |
| County | Stanly County |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,741.00 | $244,810 Land $24,975 Building $219,835 | $244,810 Land $24,975 Building $219,835 |
| 2023 | $1,790.00 | $146,787 Land $16,983 Building $129,804 | $146,787 Land $16,983 Building $129,804 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 931 Smith St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.
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 | 3 in force |
| Nearby Flood Claims | 4 (2012–2020) |
| Most Recent Claim | Jun 2020 · river or lake flooding |
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 931 Smith St is low, with a 0.01% 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 | 0.01% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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