Iredell County property record for 109 Windstone Dr, Troutman, NC 28166
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,315 sqft · built 2007 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $329,000 (Jun 2021) |
| Tax Bill | $1,943 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Feb 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4751-25-0874.000 |
| Primary APN | 4751-25-0874.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,315 sqft Heated Area |
| Gross Area | 2,880 sqft |
| 1st Floor Area | 953 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 28,314 sqft (0.65 acres) |
| Lot Width | 103 ft Width |
| Porch | Slab |
|---|---|
| Porch Area | 170 sqft |
| Patio Area | 395 sqft |
| Storage Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80083405 |
|---|---|
| Street Address | 109 WINDSTONE DR |
| City | TROUTMAN |
| State | NC |
| Zip | 28166-0100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | L2 WINDSTONE CROSSING PB 55-115 |
| Legal Subdivision | WINDSTONE CROSSING |
| Legal Block | 25 |
| Legal Lot Number | 2 |
| Jurisdiction | IREDELL NC |
| Township / Civil Division | BARRINGER |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 61301 |
Source: Iredell County records · APN 4751-25-0874.000
Assessment roll updated April 7, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 109 WINDSTONE DR, TROUTMAN, NC 28166-0100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Feb 07, 2023 | Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK |
| Feb 20, 2024 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC |
| Jun 23, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Jul 09, 2019 | Loan Modification, Mortgage · FHA Mortgage PINGORA LOAN SVCNG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 23, 2021 · Amount on Record |
| Deed Sale | Jun 23, 2021 · Amount on Record |
| Prior Sale | Apr 08, 2016 · Amount on Record |
| Deed Book / Page | 2825 / 393 |
| Prior Transfer Date | Aug 19, 2011 |
| Prior Transfer Doc | 21322231 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 109 WINDSTONE DR, TROUTMAN, NC 28166-0100 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0002915852 |
|---|---|
| Date | Apr 28, 2022 |
| Book Page | 2915/852 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 109 WINDSTONE DR, TROUTMAN, NC 28166-0100 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0029732217 |
|---|---|
| Date | Feb 07, 2023 |
| Book Page | 2973/2217 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Address | HODGENVILLE, KY 42748 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 109 WINDSTONE DR, TROUTMAN, NC 28166-0100 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Title Company | SOURCEPOINT TITLE SVCS, SOURCEPOINT INC |
| Name | Verified Name |
|---|
| Document Number | 0003044770 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 3044/770 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 321 RESEARCH PKWY STE 303, MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IREDELL NC |
| Recording Date | Jun 23, 2021 |
| Property Address | 109 WINDSTONE DR, TROUTMAN, NC 28166-0100 |
| Document Number | 0002825393 |
| Book / Page | 2825 / 393 |
| Map Reference | MB 55 PG 115 |
| Instrument Date | Jun 18, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 05, 2025 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $658.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 192 FARWELL ST, BARRE, VT 05641-9069 |
| Name | Verified Name |
|---|---|
| Address | 109 WINDSTONE DR, TROUTMAN, NC 28166-0100 |
| Document Number | 0002825395 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2825/395 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 109 WINDSTONE DR, TROUTMAN, NC 28166-0100 |
| Document Number | 26371846 |
| Instrument Date | Jul 09, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 109 WINDSTONE DR TROUTMAN NC 281660100, TROUTMAN, NC 28166-0100 |
| Document Number | 26371846 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 002637/001846 |
| Name | PINGORA LOAN SVCNG |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: Iredell County records · Assessment roll updated April 7, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Iredell County |
| Unified School District | Iredell-Statesville Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,943.00 | $313,850 (-) Land $55,000 Building $258,850 | $313,850 (-) Land $55,000 Building $258,850 |
| 2024 | $1,943.00 | $313,850 (-) Land $55,000 Building $258,850 | $313,850 (-) Land $55,000 Building $258,850 |
| 2023 | $1,943.00 (+17.97%) | $313,850 (+26%) Land $55,000 Building $258,850 | $313,850 (+26%) Land $55,000 Building $258,850 |
| 2022 | $1,647.00 | $249,090 Land $40,000 Building $209,090 | $249,090 Land $40,000 Building $209,090 |
Source: FEMA National Flood Hazard Layer as of January 27, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 71 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINDSTONE CROSSING private · serves 112 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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