196 Guilford Rd, Harmony, NC 28634 Property Records

Iredell County property record for 196 Guilford Rd, Harmony, NC 28634

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,248 sqft · built 1999
Lot Size	3.91 acres (170,668 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (May 2026)
Tax Bill	$697 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4799-16-9898.000`

Property Details

APN / Parcel Number

Primary APN	`4799-16-9898.000`
Alternative APNs	`77403471` `80099022` `80110134`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
Gross Area	1,376 sqft
1st Floor Area	1,248 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	170,668 sqft (3.91 acres)
Lot Width	44 ft Width
Garage Type	Mixed
Garage Area	352 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Shed	1 Shed
Shed Area	264 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80110134
Street Address	196 GUILFORD RD
City	HARMONY
State	NC
Zip	28634-9152
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RA
Legal Description	PT L20-PB-23-3-3B
Legal Subdivision	TURNERSBURG
Legal Block	16
Legal Lot Number	20
Jurisdiction	IREDELL NC
Township / Civil Division	TURNERSBURG
Census Block Group	2
Census Block	2016
Census Tract	60802

Owner

Source: Iredell County records, as of June 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	196 GUILFORD RD, HARMONY, NC 28634-9152
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Warranty Deed, Transfer · FHA Mortgage NEIGHBORS BANK
Mar 13, 2024	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Mar 13, 2024 · Amount on Record
Deed Document Number	2026
Deed Book / Page	3217 / 2372
Prior Transfer Date	Jun 22, 1999
Prior Transfer Doc	0000002652
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	May 29, 2026
Property Address	196 GUILFORD RD, HARMONY, NC 28634-9152
Document Number	3217002372
Book / Page	3217 / 2372
Instrument Date	May 14, 2026
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ICE MORTGAGE TECHNOLOGY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$52,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 GUILFORD RD, HARMONY, NC 28634-9152

Mortgage

Document Number	3217002375,
Date	May 29, 2026
Book Page	3217/2375

Lender

Name	NEIGHBORS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	3217002395,
Date	May 29, 2026
Book Page	3217/2395

Lender

Name	NEIGHBORS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jun 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Mar 13, 2024
Property Address	196 GUILFORD RD, HARMONY, NC 28634-9152
Document Number	0003049101
Book / Page	3049 / 101
Map Reference	MB 1141 PG 77
Instrument Date	Mar 12, 2024
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 261, HARMONY, NC 28634-0261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 GUILFORD RD, HARMONY, NC 28634-9152

Mortgage

Document Number	0003049104
Date	Mar 13, 2024
Instrument	3049/104

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0003049104
Date	Mar 13, 2024
Book Page	3049/104

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

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
2025	$697.00	$108,130 (-) Land $36,440 Building $71,690	$108,130 (-) Land $36,440 Building $71,690
2024	$697.00 (+3.87%)	$108,130 (+4.25%) Land $36,440 Building $71,690	$108,130 (+4.25%) Land $36,440 Building $71,690
2023	$671.00	$103,720 Land $32,030 Building $71,690	$103,720 Land $32,030 Building $71,690

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zirrus Fiber	6,000 / 6,000

Cell Coverage

5G (outdoors only) and 4G LTE

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