Iredell County property record for 403 N Main St, Troutman, NC 28166
| Property Type | Commercial |
|---|---|
| Details | 4 bd · 2 ba · 3,703 sqft · built 1914 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Jan 2021) |
| Tax Bill | $3,118 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jun 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4731-77-9347.000 |
| Primary APN | 4731-77-9347.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,703 sqft Total Area |
| 1st Floor Area | 1,625 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood |
| Foundation Type | Footing |
| Roof Type | Hip |
| Roof Material | Wood Shingle |
| Lot Area | 31,363 sqft (0.72 acres) |
| Lot Dimensions | 436 ft deep x 104 ft wide |
| Garage Type | Carport |
| Garage Area | 306 sqft |
| Carport | Carport |
| Carport Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 80078329 |
|---|---|
| Street Address | 403 N MAIN ST |
| City | TROUTMAN |
| State | NC |
| Zip | 28166-9528 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | OI |
| Legal Description | US 21 |
| Legal Subdivision | TROUTMAN BUSINESS DIST |
| Legal Block | 77 |
| Jurisdiction | IREDELL NC |
| Township / Civil Division | FALLSTOWN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 61202 |
403 N Main St, a commercial property, is owned by two individuals who bought it in January 2021.
Source: Iredell County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 N MAIN ST, TROUTMAN, NC 28166-9528 |
| Owner Type | Individual |
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 |
|---|---|
| Jan 6, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BLUEHARBOR BANK |
| Jun 15, 2018 | Deed of Trust, Mortgage BLUEHARBOR BANK |
| Feb 16, 2018 | Deed of Trust, Mortgage · Commercial Mortgage BLUEHARBOR BANK |
| May 5, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2021 · Amount on File |
| Deed Sale | Jan 15, 2021 · Amount on File |
| Prior Sale | May 5, 2017 · Amount on File |
| Deed Book / Page | 2773 / 864 |
| Prior Transfer Date | Aug 3, 2016 |
| Prior Transfer Doc | 2437667 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 403 N MAIN ST, TROUTMAN, NC 28166-9528 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6 PROSPECT DR, BRENTWOOD, NY 11717-2352 |
| Document Number | 0002886117 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 2886/117 |
| Name | BLUEHARBOR BANK |
|---|---|
| Type | Bank |
| Address | MOORESVILLE, NC 28117 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 403 N MAIN ST, TROUTMAN, NC 28166-9528 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0025611043 |
|---|---|
| Date | Jun 15, 2018 |
| Book Page | 2561/1043 |
| Name | BLUEHARBOR BANK |
|---|---|
| Type | Bank |
| Address | MOORESVILLE, NC 28117 |
| Amount | Amount on Record |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IREDELL NC |
| Property Address | 403 N MAIN ST, TROUTMAN, NC 28166-9528 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0025391502 |
|---|---|
| Date | Feb 16, 2018 |
| Book Page | 2539/1502 |
| Name | BLUEHARBOR BANK |
|---|---|
| Type | Bank |
| Address | MOORESVILLE, NC 28117 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | IREDELL NC |
| Recording Date | May 5, 2017 |
| Property Address | 403 N MAIN ST, TROUTMAN, NC 28166-9528 |
| Document Number | 2488279 |
| Book / Page | 002488 / 000279 |
| Instrument Date | May 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $290.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 152 WINDEMERE ISLE RD STATESVILLE NC 286772090, STATESVILLE, NC 28677-2090 |
The 2025 property tax bill for 403 N Main St was $3,118, down 4.2% from the year before.
Source: Iredell County assessment roll, as of April 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Iredell County |
| Municipality | Troutman Town |
| Unified School District | Iredell-Statesville Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $283,490 (-) Land $144,000 Building $139,490 | $283,490 (-) Land $144,000 Building $139,490 | |
| 2025 | $3,118.00 (-4.15%) | $283,490 (-) Land $144,000 Building $139,490 | $283,490 (-) Land $144,000 Building $139,490 |
| 2024 | $3,253.00 (+4.33%) | $283,490 (-) Land $144,000 Building $139,490 | $283,490 (-) Land $144,000 Building $139,490 |
| 2023 | $3,118.00 (+1.83%) | $283,490 (+6.21%) Land $144,000 Building $139,490 | $283,490 (+6.21%) Land $144,000 Building $139,490 |
| 2022 | $3,062.00 | $266,920 Land $115,200 Building $151,720 | $266,920 Land $115,200 Building $151,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 N Main St in Zone X, an area of minimal flood risk.
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 risk around 403 N Main St 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 184 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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