186 Valley Springs Dr, Olin, NC 28660 Property Records

Iredell County property record for 186 Valley Springs Dr, Olin, NC 28660

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,998 sqft · built 2000
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Jan 2020)
Tax Bill	$1,811 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4860-74-9181.000`

Property Details

APN / Parcel Number

Primary APN	`4860-74-9181.000`
Alternative APN	`80068666`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,998 sqft Heated Area
Gross Area	3,164 sqft
1st Floor Area	1,062 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	32,670 sqft (0.75 acres)
Lot Width	173 ft Width
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	237 sqft
Deck Area	404 sqft
Patio Area	404 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80068666
Street Address	186 VALLEY SPRINGS DR
City	OLIN
State	NC
Zip	28660-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L51-HOLLY RIDGE S/D-P2-PB-33-65-66
Legal Subdivision	HEATHSTEAD+FORNEY+HOLLY
Legal Block	74
Legal Lot Number	51
Jurisdiction	IREDELL NC
Township / Civil Division	TURNERSBURG
Census Block Group	1
Census Block	1003
Census Tract	60802

Owner

186 Valley Springs Dr is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	186 VALLEY SPRINGS DR, OLIN, NC 28660-9504
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
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 17, 2020	Warranty Deed, Transfer NAVY FCU
Oct 12, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2020 · Amount on File
Deed Sale	Jan 17, 2020 · Amount on File
Prior Sale	Sep 4, 2007 · Amount on File
Deed Book / Page	2671 / 2052
Prior Transfer Date	Mar 12, 2007
Prior Transfer Doc	18312350
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	186 VALLEY SPRINGS DR, OLIN, NC 28660-9504
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002887939
Date	Jan 12, 2022
Book Page	2887/939

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Jan 17, 2020
Property Address	186 VALLEY SPRINGS DR, OLIN, NC 28660-9504
Document Number	26712052
Book / Page	002671 / 002052
Instrument Date	Jan 17, 2020
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 VALLEY SPRINGS DR OLIN NC 286609504, OLIN, NC 28660-9504

Mortgage

Document Number	26712056
Date	Jan 17, 2020
Book Page	002671/002056

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	186 VALLEY SPRINGS DR, OLIN, NC 28660-9504
Document Number	258419
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	186 VALLEY SPRINGS DR OLIN NC 286609504, OLIN, NC 28660-9504

Mortgage

Document Number	258419
Date	Oct 16, 2018
Book Page	002584/000019

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 186 Valley Springs Dr was $1,811.

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		$296,920 (-) Land $23,000 Building $273,920	$296,920 (-) Land $23,000 Building $273,920
2025	$1,811.00	$296,920 (-) Land $23,000 Building $273,920	$296,920 (-) Land $23,000 Building $273,920
2024	$1,811.00	$296,920 (-) Land $23,000 Building $273,920	$296,920 (-) Land $23,000 Building $273,920
2023	$1,811.00 (+48.44%)	$296,920 (+60.51%) Land $23,000 Building $273,920	$296,920 (+60.51%) Land $23,000 Building $273,920
2022	$1,220.00	$184,990 Land $18,000 Building $166,990	$184,990 Land $18,000 Building $166,990

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

Flood

FEMA maps place 186 Valley Springs Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 186 Valley Springs 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 19 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

Cell Coverage

5G and 4G LTE (outdoors only)

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