166 Rivercliff Dr, Stony Point, NC 28678 Property Records

Iredell County property record for 166 Rivercliff Dr, Stony Point, NC 28678

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,605 sqft · built 2011
Lot Size	1.58 acres (68,825 sqft)
Owner	2 Individual Names on Record
Last Sale	$9,000 (Apr 2010)
Tax Bill	$2,239 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3774-75-5173.000`

Property Details

APN / Parcel Number

Primary APN	`3774-75-5173.000`
Alternative APN	`77475163`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,605 sqft Heated Area
Gross Area	4,487 sqft
1st Floor Area	1,605 sqft
Basement Area	1,605 sqft
Unfinished Basement	1,605 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	68,825 sqft (1.58 acres)
Lot Width	170 ft Width
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	727 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	77475163
Street Address	166 RIVERCLIFF DR
City	STONY POINT
State	NC
Zip	28678-9030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L2 RIVERWALK SEC 6 PB 28-141
Legal Subdivision	RIVERWALK
Legal Block	75
Legal Lot Number	2
Jurisdiction	IREDELL NC
Township / Civil Division	SHILOH
Census Block Group	2
Census Block	2012
Census Tract	61101

Owner

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	166 RIVERCLIFF DR, STONY POINT, NC 28678-9030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2010 · Amount on Record
Deed Sale	Apr 19, 2010 · Amount on Record
Prior Sale	Dec 1, 1997 · Amount on Record
Deed Book / Page	2059 / 1079
Last Transfer Date	Jan 20, 2011
Transfer Doc	21032247
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Recording Date	Apr 20, 2026
Property Address	166 RIVERCLIFF DR, STONY POINT, NC 28678-9030
Document Number	3208001695
Book / Page	3208 / 1695
Instrument Date	Apr 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROYAL OAKS TITLE COMPANY, ROYAL OAK TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 RIVERCLIFF DR, STONY POINT, NC 28678-9030

Mortgage

Document Number	3208001695,
Date	Apr 20, 2026
Book Page	3208/1695

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	166 RIVERCLIFF DR, STONY POINT, NC 28678-9030
Transaction Type	Mortgage
Record Updated	Nov 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	28691539
Date	Nov 9, 2021
Book Page	2869/1539

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	166 RIVERCLIFF DR, STONY POINT, NC 28678-9030
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	27881736
Date	Mar 3, 2021
Book Page	2788/1736

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	166 RIVERCLIFF DR, STONY POINT, NC 28678-9030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24681283
Date	Jan 11, 2017
Book Page	2468/1283

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

Tax Assessment & Valuation

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		$369,480 (-) Land $19,500 Building $349,980	$369,480 (-) Land $19,500 Building $349,980
2025	$2,239.00	$369,480 (-) Land $19,500 Building $349,980	$369,480 (-) Land $19,500 Building $349,980
2024	$2,239.00	$369,480 (-) Land $19,500 Building $349,980	$369,480 (-) Land $19,500 Building $349,980
2023	$2,239.00 (+31.71%)	$369,480 (+41.35%) Land $19,500 Building $349,980	$369,480 (+41.35%) Land $19,500 Building $349,980
2022	$1,700.00	$261,390 Land $6,000 Building $255,390	$261,390 Land $6,000 Building $255,390

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 January 27, 2025 · 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	1 in force
Nearby Flood Claims	3 (2013–2020)
Most Recent Claim	Nov 2020 · Tropical Storm Eta

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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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