314 Downing St, Troutman, NC 28166 Property Records

Iredell County property record for 314 Downing St, Troutman, NC 28166

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,296 sqft · built 1975
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Dec 2022)
Tax Bill	$2,088 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4731-63-9809.000`

Property Details

APN / Parcel Number

Primary APN	`4731-63-9809.000`
Alternative APNs	`44913050` `80098431`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,296 sqft Heated Area
Gross Area	1,360 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	132 ft deep x 110 ft wide
Porch	Slab
Porch Area	64 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	80098431
Street Address	314 DOWNING ST
City	TROUTMAN
State	NC
Zip	28166-8621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	L79 INGLEWOOD S-2 PB 12-34
Legal Subdivision	INGLEWOOD
Legal Block	63
Legal Lot Number	79
Jurisdiction	IREDELL NC
Township / Civil Division	FALLSTOWN
Census Block Group	1
Census Block	1021
Census Tract	61202

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	314 DOWNING ST, TROUTMAN, NC 28166-8621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Prior Sale	May 1, 1986 · Amount on Record
Deed Book / Page	2967 / 1623
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Dec 29, 2022
Property Address	314 DOWNING ST, TROUTMAN, NC 28166-8621
Document Number	0029671623
Book / Page	2967 / 1623
Map Reference	MB 12 PG 34
Instrument Date	Dec 29, 2022
Transaction Type	Transfer
Record Updated	Feb 2, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 MATHEW ANDREW CT, SWANSBORO, NC 28584-7029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 DOWNING ST, TROUTMAN, NC 28166-8621

Mortgage

Document Number	0029671626
Date	Dec 29, 2022
Instrument	2967/1626

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Jan 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.9%
Index	5-Year CMT
Max Rate	11.9%

Tax Assessment & Valuation

Source: Iredell County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Iredell County
Municipality	Troutman Town
Unified School District	Iredell-Statesville Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$184,390 (-) Land $35,000 Building $149,390	$184,390 (-) Land $35,000 Building $149,390
2025	$2,088.00	$184,390 (-) Land $35,000 Building $149,390	$184,390 (-) Land $35,000 Building $149,390
2024	$2,088.00	$184,390 (-) Land $35,000 Building $149,390	$184,390 (-) Land $35,000 Building $149,390
2023	$2,088.00 (+101.16%)	$184,390 (+115.31%) Land $35,000 Building $149,390	$184,390 (+115.31%) Land $35,000 Building $149,390
2022	$1,038.00	$85,640 Land $18,000 Building $67,640	$85,640 Land $18,000 Building $67,640

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

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