Iredell County property record for 318 Rivercliff Dr, Stony Point, NC 28678
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,927 sqft · built 2000 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Trust Name on File |
| Last Sale | $585,000 (Feb 2021) |
| Tax Bill | $3,782 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Jan 2020 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3774-62-4367.000 |
| Primary APN | 3774-62-4367.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,927 sqft Heated Area |
| Gross Area | 4,016 sqft |
| 1st Floor Area | 1,675 sqft |
| Basement Area | 1,675 sqft |
| Finished Basement | 1,216 sqft |
| Unfinished Basement | 459 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood Shingle |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Type | Detached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 264 sqft |
| Patio Area | 308 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80112521 |
|---|---|
| Street Address | 318 RIVERCLIFF DR |
| City | STONY POINT |
| State | NC |
| Zip | 28678-9059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | L34 RIVERWALK SEC 4 PB 26-44 45 46 |
| Legal Subdivision | RIVERWALK |
| Legal Block | 62 |
| Legal Lot Number | 34 |
| Jurisdiction | IREDELL NC |
| Township / Civil Division | SHILOH |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 61101 |
318 Rivercliff Dr is held in a trust since June 2024.
Source: Iredell County records, as of September 23, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 319 HIGHLAND GOLF DR, FLAT ROCK, NC 28731-7508 |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK |
| Jan 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU |
| Jul 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Dec 17, 2018 | Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 2021 · Amount on File |
| Deed Sale | Feb 24, 2021 · Amount on File |
| Prior Sale | Dec 17, 2018 · Amount on File |
| Deed Book / Page | 2785 / 1971 |
| Last Transfer Date | Jun 3, 2024 |
| Transfer Doc | 0030661692 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IREDELL NC |
| Recording Date | Feb 24, 2021 |
| Property Address | 318 RIVERCLIFF DR, STONY POINT, NC 28678-9059 |
| Document Number | 27851971 |
| Book / Page | 2785 / 1971 |
| Map Reference | MB 26 PG 44-46 |
| Instrument Date | Feb 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 803 WEST RD, 803, BRADFORD, NH 03221-3218 |
| Name | Verified Name |
|---|---|
| Address | 319 HIGHLAND GOLF DR, FLAT ROCK, NC 28731-7508 |
| Document Number | 27851973 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 2785/1973 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 318 RIVERCLIFF DR, STONY POINT, NC 28678-9059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 26702125 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 2670/2125 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 20, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 318 RIVERCLIFF DR, STONY POINT, NC 28678-9059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 26331356 |
|---|---|
| Date | Jul 26, 2019 |
| Book Page | 2633/1356 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IREDELL NC |
| Recording Date | Dec 17, 2018 |
| Property Address | 318 RIVERCLIFF DR, STONY POINT, NC 28678-9059 |
| Document Number | 2594454 |
| Book / Page | 002594 / 000454 |
| Instrument Date | Dec 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $752.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 318 RIVERCLIFF DR STONY POINT NC 286789059, STONY POINT, NC 28678-9059 |
| Document Number | 2594457 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 002594/000457 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2048 |
The 2025 property tax bill for 318 Rivercliff Dr was $3,782, up 3% from the year before.
Source: Iredell County assessment roll, as of April 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Iredell County |
| Unified School District | Iredell-Statesville Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $630,890 (-) Land $97,750 Building $533,140 | $630,890 (-) Land $97,750 Building $533,140 | |
| 2025 | $3,782.00 (+3%) | $630,890 (+3.04%) Land $97,750 Building $533,140 | $630,890 (+3.04%) Land $97,750 Building $533,140 |
| 2024 | $3,672.00 | $612,300 (-) Land $97,750 Building $514,550 | $612,300 (-) Land $97,750 Building $514,550 |
| 2023 | $3,672.00 (+21.83%) | $612,300 (+30.02%) Land $97,750 Building $514,550 | $612,300 (+30.02%) Land $97,750 Building $514,550 |
| 2022 | $3,014.00 | $470,910 Land $97,750 Building $373,160 | $470,910 Land $97,750 Building $373,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 Rivercliff Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 318 Rivercliff 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.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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