Iredell County property record for 243 W Thomas St, Troutman, NC 28166
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,016 sqft · built 2007 |
| Lot Size | 25.1 acres (1,094,532 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $810,000 (Oct 2020) |
| Tax Bill | $7,133 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4731-74-9071.000 |
| Primary APN | 4731-74-9071.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,016 sqft Heated Area |
| Gross Area | 6,075 sqft |
| 1st Floor Area | 2,516 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood Shingle |
| Lot Area | 1,094,532 sqft (25.1 acres) |
| Garage Area | 1,064 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 576 sqft |
| Porch | Slab |
| Porch Area | 845 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80076113 |
|---|---|
| Street Address | 243 W THOMAS ST |
| City | TROUTMAN |
| State | NC |
| Zip | 28166-7627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT |
| Legal Description | SR 1321 OFF PB 56-150 |
| Legal Subdivision | FALLSTOWN CENTRAL |
| Legal Block | 74 |
| Jurisdiction | IREDELL NC |
| Township / Civil Division | FALLSTOWN |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 61202 |
243 W Thomas St is owned and occupied by two individuals who bought it in October 2020.
Source: Iredell County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 243 W THOMAS ST, TROUTMAN, NC 28166-7627 |
| 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.
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · FHA Mortgage CHICAGO TITLE W, CHICAGO TITLE |
| Oct 15, 2020 | Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC |
| Feb 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Sep 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on File |
| Deed Sale | Oct 15, 2020 · Amount on File |
| Prior Sale | Jul 31, 2014 · Amount on File |
| Deed Book / Page | 2744 / 1933 |
| Prior Transfer Date | Feb 14, 2007 |
| Prior Transfer Doc | 18240864 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Recording Date | Jun 18, 2026 |
| Property Address | 243 W THOMAS ST, TROUTMAN, NC 28166-7627 |
| Document Number | 3222000045 |
| Book / Page | 3222 / 45 |
| Instrument Date | May 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 243 W THOMAS ST, TROUTMAN, NC 28166-7627 |
| Document Number | 3222000045, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 3222/45 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 293 Months |
| Due | Nov 1, 2050 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IREDELL NC |
| Recording Date | Oct 15, 2020 |
| Property Address | 243 W THOMAS ST, TROUTMAN, NC 28166-7627 |
| Document Number | 27441933 |
| Book / Page | 2744 / 1933 |
| Map Reference | MB 61 PG 75 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | STATEWIDE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,620.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7113B CAPITOL AVE, 7113B, COLUMBUS, MS 39705-7627 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 243 W THOMAS ST, TROUTMAN, NC 28166-7627 |
| Document Number | 27441937 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2744/1937 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 243 W THOMAS ST, TROUTMAN, NC 28166-7627 |
| Document Number | 26771926 |
| Instrument Date | Feb 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 243 W THOMAS ST TROUTMAN NC 281667627, TROUTMAN, NC 28166-7627 |
| Document Number | 26771926 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 002677/001926 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 17, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 243 W THOMAS ST, TROUTMAN, NC 28166-7627 |
| Document Number | 25152025 |
| Book / Page | 002515 / 002025 |
| Instrument Date | Sep 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 243 W THOMAS ST TROUTMAN NC 281667627, TROUTMAN, NC 28166-7627 |
| Document Number | 25152025 |
|---|---|
| Date | Oct 2, 2017 |
| Book Page | 002515/002025 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 243 W Thomas St was $7,133.
Source: Iredell County assessment roll, as of April 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Iredell County |
| Municipality | Troutman Town |
| Unified School District | Iredell-Statesville Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $643,060 (-) | $986,100 (-) Land $409,630 Building $576,470 | |
| 2025 | $7,133.00 | $643,060 (-) | $986,100 (-) Land $409,630 Building $576,470 |
| 2024 | $7,133.00 (+0.01%) | $643,060 (+0.02%) | $986,100 (-) Land $409,630 Building $576,470 |
| 2023 | $7,132.00 (+27.31%) | $642,940 (+34.28%) | $986,100 (+42.55%) Land $409,630 Building $576,470 |
| 2022 | $5,602.00 | $478,790 | $691,770 Land $267,580 Building $424,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 243 W Thomas St in Zone X, an area of minimal flood risk.
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 | 4 in force |
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 risk around 243 W Thomas St is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | TOWN OF TROUTMAN serves 9,562 people · EPA ID NC0149030 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| 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 | 1 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 243 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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