281 Gardner Point Dr, Stony Point, NC 28678 Property Records

Iredell County property record for 281 Gardner Point Dr, Stony Point, NC 28678

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2020
Lot Size	4.45 acres (193,842 sqft)
Owner	2 Individual Names on Record
Last Sale	$34,500 (Sep 2020)
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`3774-95-7116.000`

Property Details

APN / Parcel Number

Primary APN	`3774-95-7116.000`
Alternative APN	`80074705`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Heated Area
Gross Area	2,269 sqft
1st Floor Area	1,400 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	193,842 sqft (4.45 acres)
Lot Width	210 ft Width
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	169 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80074705
Street Address	281 GARDNER POINT DR
City	STONY POINT
State	NC
Zip	28678-9183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L9 RIVERWALK SEC 8 PB 28-131
Legal Subdivision	RIVERWALK
Legal Block	95
Legal Lot Number	9
Jurisdiction	IREDELL NC
Township / Civil Division	SHILOH
Census Block Group	2
Census Block	2007
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	281 GARDNER POINT DR, STONY POINT, NC 28678-9183
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Sep 1, 2020	Warranty Deed, Construction Loan · Construction Mortgage INTERCOASTAL MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Oct 1, 1997 · Amount on Record
Deed Book / Page	2730 / 1430
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	281 GARDNER POINT DR, STONY POINT, NC 28678-9183
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002783961
Date	Feb 17, 2021
Book Page	2783/961

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Sep 1, 2020
Property Address	281 GARDNER POINT DR, STONY POINT, NC 28678-9183
Document Number	0027301430
Book / Page	2730 / 1430
Map Reference	MB 28 PG 131&132
Instrument Date	Aug 27, 2020
Transaction Type	Construction Loan
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$69.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1452 19TH ST NE, 1452, HICKORY, NC 28601-2946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 PLANTATION POINTE LOOP APT 105, 105, MOORESVILLE, NC 28117-6214

Mortgage

Document Number	0027301432
Date	Sep 1, 2020
Instrument	2730/1432

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2021

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		$317,140 (-) Land $34,500 Building $282,640	$317,140 (-) Land $34,500 Building $282,640
2025	$1,931.00	$317,140 (-) Land $34,500 Building $282,640	$317,140 (-) Land $34,500 Building $282,640
2024	$1,931.00	$317,140 (-) Land $34,500 Building $282,640	$317,140 (-) Land $34,500 Building $282,640
2023	$1,931.00 (+26.96%)	$317,140 (+36.13%) Land $34,500 Building $282,640	$317,140 (+36.13%) Land $34,500 Building $282,640
2022	$1,521.00	$232,960 Land $34,500 Building $198,460	$232,960 Land $34,500 Building $198,460

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	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.

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)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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