315 Stumpy Creek Rd, Mooresville, NC 28117 Property Records

Iredell County property record for 315 Stumpy Creek Rd, Mooresville, NC 28117

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,800 sqft · built 2020
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Sep 2019)
Tax Bill	$10,458 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4638-59-5869.000`

Property Details

APN / Parcel Number

Primary APN	`4638-59-5869.000`
Alternative APN	`77454834`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,800 sqft Heated Area
Gross Area	8,376 sqft
1st Floor Area	2,713 sqft
Sunroom	Sunroom
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	33,977 sqft (0.78 acres)
Garage Area	772 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	783 sqft
Porch	Slab
Porch Area	28 sqft
Deck Area	300 sqft
Patio Area	480 sqft
Utility Building	966 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	77454834
Street Address	315 STUMPY CREEK RD
City	MOORESVILLE
State	NC
Zip	28117-8462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	L118 CL&T S-14 PB 13-32
Legal Subdivision	HARBOR VW+LNDG/PIRATES CV
Legal Block	59
Legal Lot Number	118
Jurisdiction	IREDELL NC
Township / Civil Division	DAVIDSON
Census Block Group	1
Census Block	1028
Census Tract	61204

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	315 STUMPY CREEK RD, MOORESVILLE, NC 28117-8462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Aug 25, 2020	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Sep 6, 2019	Warranty Deed, Construction Loan · Line of Credit AQUESTA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Prior Sale	May 11, 1998 · Amount on Record
Deed Book / Page	2643 / 39
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	315 STUMPY CREEK RD, MOORESVILLE, NC 28117-8462
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027272303
Date	Aug 25, 2020
Book Page	2727/2303

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	315 STUMPY CREEK RD, MOORESVILLE, NC 28117-8462
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 STUMPY CREEK RD, MOORESVILLE, NC 28117-8462

Mortgage

Document Number	0027272328
Date	Aug 25, 2020
Book Page	2727/2328

Lender

Name	COGENT BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 20, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Sep 6, 2019
Property Address	315 STUMPY CREEK RD, MOORESVILLE, NC 28117-8462
Document Number	264339
Book / Page	002643 / 000039
Instrument Date	Sep 6, 2019
Transaction Type	Construction Loan
Record Updated	Oct 1, 2019
Title Company	MERIDIAN TITLE

Transaction

Amount	Amount Recorded
Tax	$690.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	237 BAY SHORE LOOP MOORESVILLE NC 281179410, MOORESVILLE, NC 28117-9410

Mortgage

Document Number	264341
Date	Sep 6, 2019
Book Page	002643/000041

Lender

Name	AQUESTA BK
Type	Bank
Address	CORNELIUS, NC 28031

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,762,490 (-) Land $540,000 Building $1,222,490	$1,762,490 (-) Land $540,000 Building $1,222,490
2025	$10,458.00	$1,762,490 (-) Land $540,000 Building $1,222,490	$1,762,490 (-) Land $540,000 Building $1,222,490
2024	$10,458.00	$1,762,490 (-) Land $540,000 Building $1,222,490	$1,762,490 (-) Land $540,000 Building $1,222,490
2023	$10,458.00 (+63.08%)	$1,762,490 (+74.07%) Land $540,000 Building $1,222,490	$1,762,490 (+74.07%) Land $540,000 Building $1,222,490
2022	$6,413.00	$1,012,490 Land $243,750 Building $768,740	$1,012,490 Land $243,750 Building $768,740

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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