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

Iredell County property record for 306 Gardner Point Dr, Stony Point, NC 28678

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,854 sqft · built 1998
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Oct 2026)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3774-94-3425.000`

Property Details

APN / Parcel Number

Primary APN	`3774-94-3425.000`
Alternative APN	`77387530`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,854 sqft Heated Area
Gross Area	2,714 sqft
1st Floor Area	1,854 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Hip
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	77387530
Street Address	306 GARDNER POINT DR
City	STONY POINT
State	NC
Zip	28678-8998
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L42 RIVERWALK SEC 5 PB 27-127-130
Legal Subdivision	RIVERWALK
Legal Block	94
Legal Lot Number	42
Jurisdiction	IREDELL NC
Township / Civil Division	SHILOH
Census Block Group	2
Census Block	2012
Census Tract	61101

Owner

Source: Iredell County records, as of October 20, 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	306 GARDNER POINT DR, STONY POINT, NC 28678-8998
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Prior Sale	Jul 21, 1997 · Amount on Record
Deed Document Number	202611215
Deed Book / Page	3245 / 1659
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Oct 2, 2026
Property Address	306 GARDNER POINT DR, STONY POINT, NC 28678-8998
Document Number	0000011215
Book / Page	3245 / 1659
Instrument Date	Oct 2, 2026
Instrument	202611215
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	INTEGRATED TITLE INC, INTEGRATED TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$70,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 GARDNER POINT DR, STONY POINT, NC 28678-8998

Mortgage

Document Number	0000011215,
Date	Oct 2, 2026
Book Page	3245/1662
Instrument	202611215

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	306 GARDNER POINT DR, STONY POINT, NC 28678-8998
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	26772185
Date	Feb 19, 2020
Book Page	2677/2185

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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		$253,850 (-) Land $19,500 Building $234,350	$253,850 (-) Land $19,500 Building $234,350
2025	$1,557.00	$253,850 (-) Land $19,500 Building $234,350	$253,850 (-) Land $19,500 Building $234,350
2024	$1,557.00	$253,850 (-) Land $19,500 Building $234,350	$253,850 (-) Land $19,500 Building $234,350
2023	$1,557.00 (+19.59%)	$253,850 (+28.19%) Land $19,500 Building $234,350	$253,850 (+28.19%) Land $19,500 Building $234,350
2022	$1,302.00	$198,020 Land $15,000 Building $183,020	$198,020 Land $15,000 Building $183,020

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 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.

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