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

Iredell County property record for 317 Gardner Point Dr, Stony Point, NC 28678

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,803 sqft · built 2022
Lot Size	2.66 acres (115,870 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Jun 2025)
Tax Bill	$2,880 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Jan 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3774-94-9440.000`

Property Details

APN / Parcel Number

Primary APN	`3774-94-9440.000`
Alternative APNs	`80078784` `80089198`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,803 sqft Heated Area
Gross Area	4,559 sqft
1st Floor Area	2,332 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Cape Cod
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	115,870 sqft (2.66 acres)
Lot Width	150 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80089198
Street Address	317 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	L6 RIVERWALK SEC 8 PB 28-131
Legal Subdivision	RIVERWALK
Legal Block	94
Legal Lot Number	6
Jurisdiction	IREDELL NC
Township / Civil Division	SHILOH
Census Block Group	2
Census Block	2007
Census Tract	61101

Owner

317 Gardner Point Dr is owned and occupied by two individuals who bought it in June 2025.

Source: Iredell County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	317 GARDNER POINT DR, STONY POINT, NC 28678-8998
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Warranty Deed, Transfer · Conventional Mortgage LOAN PRONTO INC
Jan 20, 2022	Intrafamily Transfer, Transfer · Construction Mortgage AMERIS BANK
Jan 28, 2021	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on File
Deed Sale	Jun 30, 2025 · Amount on File
Prior Sale	Jan 28, 2021 · Amount on File
Deed Book / Page	3145 / 1214
Prior Transfer Date	Jan 18, 2022
Prior Transfer Doc	0028891559
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Jun 30, 2025
Property Address	317 GARDNER POINT DR, STONY POINT, NC 28678-8998
Document Number	0031451214
Book / Page	3145 / 1214
Map Reference	MB 28 PGS 131 AND 13
Instrument Date	Jun 24, 2025
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 GRESHAM LN APT 317, 317, MOORESVILLE, NC 28117-7138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 GARDNER POINT DR, STONY POINT, NC 28678-8998

Mortgage

Document Number	0031451219
Date	Jun 30, 2025
Instrument	3145/1219

Lender

Name	LOAN PRONTO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IREDELL NC
Recording Date	Jan 20, 2022
Property Address	317 GARDNER POINT DR, STONY POINT, NC 28678-8998
Document Number	0028891559
Book / Page	2889 / 1559
Map Reference	MB 28 PG 131&132
Instrument Date	Jan 18, 2022
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	SOUTH CITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	142 RONALD ST, JOHNSTOWN, PA 15902-1250

Mortgage

Document Number	0028891561
Date	Jan 20, 2022
Instrument	2889/1561

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Jan 28, 2021
Property Address	317 GARDNER POINT DR, STONY POINT, NC 28678-8998
Document Number	27762409
Book / Page	002776 / 002409
Instrument Date	Jan 19, 2021
Transaction Type	Transfer
Record Updated	Mar 10, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$40.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10517 DANESWAY LN CORNELIUS NC 280319196, CORNELIUS, NC 28031-9196

Tax Assessment & Valuation

The 2025 property tax bill for 317 Gardner Point Dr was $2,880.

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		$477,980 (-) Land $30,000 Building $447,980	$477,980 (-) Land $30,000 Building $447,980
2025	$2,880.00	$477,980 (-) Land $30,000 Building $447,980	$477,980 (-) Land $30,000 Building $447,980
2024	$2,880.00 (+30.73%)	$477,980 (+31.57%) Land $30,000 Building $447,980	$477,980 (+31.57%) Land $30,000 Building $447,980
2023	$2,203.00 (+1,276.88%)	$363,290 (+1,324.67%) Land $30,000 Building $333,290	$363,290 (+1,324.67%) Land $30,000 Building $333,290
2022	$160.00	$25,500 Land $25,500	$25,500 Land $25,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 317 Gardner Point Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

Wildfire risk around 317 Gardner Point Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Gardner Point Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures