Iredell County property record for 118 Speaks Rd, Olin, NC 28660
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,280 sqft · built 2005 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Apr 2021) |
| Tax Bill | $1,710 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4861-33-6398.000 |
| Primary APN | 4861-33-6398.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,280 sqft Heated Area |
| Gross Area | 2,448 sqft |
| 1st Floor Area | 2,280 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 23,522 sqft (0.54 acres) |
| Lot Width | 127 ft Width |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80081362 |
|---|---|
| Street Address | 118 SPEAKS RD |
| City | OLIN |
| State | NC |
| Zip | 28660-9309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | L3-PADGETT FARMS PB-32- 150 |
| Legal Subdivision | JERICHO+PADGETT |
| Legal Block | 33 |
| Legal Lot Number | 3 |
| Jurisdiction | IREDELL NC |
| Township / Civil Division | UNION GROVE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 60801 |
Source: Iredell County records, as of September 23, 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 | 118 SPEAKS RD, OLIN, NC 28660-9309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2023 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Apr 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2021 · Amount on Record |
| Deed Sale | Apr 26, 2021 · Amount on Record |
| Prior Sale | Jun 13, 2016 · Amount on Record |
| Deed Book / Page | 2806 / 2300 |
| Prior Transfer Date | Dec 16, 2013 |
| Prior Transfer Doc | 22801342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 118 SPEAKS RD, OLIN, NC 28660-9309 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000298894 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | 2988/94 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | STATESVILLE, NC 28687 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IREDELL NC |
| Recording Date | Apr 26, 2021 |
| Property Address | 118 SPEAKS RD, OLIN, NC 28660-9309 |
| Document Number | 28062300 |
| Book / Page | 2806 / 2300 |
| Map Reference | MB 32 PG 150 |
| Instrument Date | Apr 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 121 SUNDANCE CIR, 121, STATESVILLE, NC 28625-1657 |
| Name | Verified Name |
|---|---|
| Address | 118 SPEAKS RD, OLIN, NC 28660-9309 |
| Document Number | 0028062303 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 2806/2303 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | May 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.25% |
Source: Iredell County assessment roll, as of April 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Iredell County |
| Unified School District | Iredell-Statesville Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $279,690 (-) Land $26,000 Building $253,690 | $279,690 (-) Land $26,000 Building $253,690 | |
| 2025 | $1,710.00 | $279,690 (-) Land $26,000 Building $253,690 | $279,690 (-) Land $26,000 Building $253,690 |
| 2024 | $1,710.00 | $279,690 (-) Land $26,000 Building $253,690 | $279,690 (-) Land $26,000 Building $253,690 |
| 2023 | $1,710.00 (+56.02%) | $279,690 (+69.33%) Land $26,000 Building $253,690 | $279,690 (+69.33%) Land $26,000 Building $253,690 |
| 2022 | $1,096.00 | $165,170 Land $18,000 Building $147,170 | $165,170 Land $18,000 Building $147,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zirrus Fiber | 6,000 / 6,000 |
| Spectrum Cable | 1,000 / 1,000 |
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