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

Iredell County property record for 320 Gardner Point Dr, Stony Point, NC 28678

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,432 sqft · built 2005
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jul 2020)
Tax Bill	$1,815 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3774-94-4133.000`

Property Details

APN / Parcel Number

Primary APN	`3774-94-4133.000`
Alternative APN	`80073801`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,432 sqft Heated Area
Gross Area	3,200 sqft
1st Floor Area	1,446 sqft
Basement Area	126 sqft
Finished Basement	126 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Stucco
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	52,272 sqft (1.2 acres)
Garage Area	334 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	210 sqft
Deck Area	98 sqft
Patio Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80073801
Street Address	320 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	L40 RIVERWALK SEC 5 PB 27-127-130
Legal Subdivision	RIVERWALK
Legal Block	94
Legal Lot Number	40
Jurisdiction	IREDELL NC
Township / Civil Division	SHILOH
Census Block Group	2
Census Block	2012
Census Tract	61101

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	Individual Name on Record
Mailing Address	320 GARDNER POINT DR, STONY POINT, NC 28678-8998
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	May 13, 2005 · Amount on Record
Deed Book / Page	2719 / 2446
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Jul 30, 2020
Property Address	320 GARDNER POINT DR, STONY POINT, NC 28678-8998
Document Number	27192446
Book / Page	2719 / 2446
Map Reference	MB 27 PG 127-130
Instrument Date	Jul 30, 2020
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	27192448
Date	Jul 30, 2020
Instrument	2719/2448

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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		$297,540 (-) Land $21,000 Building $276,540	$297,540 (-) Land $21,000 Building $276,540
2025	$1,815.00	$297,540 (-) Land $21,000 Building $276,540	$297,540 (-) Land $21,000 Building $276,540
2024	$1,815.00	$297,540 (-) Land $21,000 Building $276,540	$297,540 (-) Land $21,000 Building $276,540
2023	$1,815.00 (+27.37%)	$297,540 (+36.71%) Land $21,000 Building $276,540	$297,540 (+36.71%) Land $21,000 Building $276,540
2022	$1,425.00	$217,640 Land $13,500 Building $204,140	$217,640 Land $13,500 Building $204,140

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	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)

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