105 Zach Dr, Harmony, NC 28634 Property Records

Iredell County property record for 105 Zach Dr, Harmony, NC 28634

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,950 sqft · built 2019
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on File
Last Sale	$12,000 (Jul 2019)
Tax Bill	$1,156 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4778-79-1169.000`

Property Details

APN / Parcel Number

Primary APN	`4778-79-1169.000`
Alternative APN	`80064490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,950 sqft Heated Area
Gross Area	2,022 sqft
1st Floor Area	1,950 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,799 sqft (0.73 acres)
Lot Width	282 ft Width

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	36 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80064490
Street Address	105 ZACH DR
City	HARMONY
State	NC
Zip	28634-9282
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RA
Legal Description	L9-ROCK GATE ESTATES-PII-PB-34-119
Legal Subdivision	GATE ESTATES
Legal Block	79
Legal Lot Number	9
Jurisdiction	IREDELL NC
Township / Civil Division	TURNERSBURG
Census Block Group	1
Census Block	1028
Census Tract	60802

Owner

105 Zach Dr, a mobile home, is owned and occupied by two individuals who bought it in July 2019.

Source: Iredell County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	105 ZACH DR, HARMONY, NC 28634-9282
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 31, 2019	Warranty Deed, Transfer VANDERBILT MTG & FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2019 · Amount on File
Deed Sale	Jul 31, 2019 · Amount on File
Prior Sale	Mar 23, 2012 · Amount on File
Deed Book / Page	2634 / 2061
Prior Transfer Date	Oct 24, 2011
Prior Transfer Doc	0021430654
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	105 ZACH DR, HARMONY, NC 28634-9282
Transaction Type	Mortgage
Record Updated	May 2, 2024
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003056319
Date	Apr 18, 2024
Book Page	3056/319

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	3701 ARCO CORPORATE DR STE 200, CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Jul 31, 2019
Property Address	105 ZACH DR, HARMONY, NC 28634-9282
Document Number	26342061
Book / Page	002634 / 002061
Instrument Date	Jul 12, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$24.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	105 ZACH DRVIE HARMONY NC 28634, HARMONY, NC 28634

Mortgage

Document Number	26342064
Date	Jul 31, 2019
Book Page	002634/002064

Lender

Name	VANDERBILT MTG & FIN
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Amount	Amount on Record
Term	276 Months
Due	Jul 30, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 105 Zach Dr was $1,156.

Source: Iredell County assessment roll, as of April 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,820 (-) Land $18,700 Building $167,120	$185,820 (-) Land $18,700 Building $167,120
2025	$1,156.00	$185,820 (-) Land $18,700 Building $167,120	$185,820 (-) Land $18,700 Building $167,120
2024	$1,156.00	$185,820 (-) Land $18,700 Building $167,120	$185,820 (-) Land $18,700 Building $167,120
2023	$1,156.00 (+62.36%)	$185,820 (+77.73%) Land $18,700 Building $167,120	$185,820 (+77.73%) Land $18,700 Building $167,120
2022	$712.00	$104,550 Land $11,400 Building $93,150	$104,550 Land $11,400 Building $93,150

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

Flood

FEMA maps place 105 Zach Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 27, 2025

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

Wildfire risk around 105 Zach Dr 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	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	IREDELL WATER CORPORATION private · serves 29,370 people · EPA ID NC0149025
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Zach Dr

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