446 Clay St, Mooresville, NC 28115 Property Records

Iredell County property record for 446 Clay St, Mooresville, NC 28115

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,701 sqft · built 2020
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Dec 2020)
Tax Bill	$4,397 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4657-80-4856.000`

Property Details

APN / Parcel Number

Primary APN	`4657-80-4856.000`
Alternative APN	`80077446`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,701 sqft Heated Area
Gross Area	2,597 sqft
1st Floor Area	1,701 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	18,731 sqft (0.43 acres)
Lot Width	56 ft Width
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80077446
Street Address	446 CLAY ST
City	MOORESVILLE
State	NC
Zip	28115-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Description	L2 G STENBACK PB 53-82
Legal Subdivision	WEST WILSON AVE
Legal Block	80
Legal Lot Number	2
Jurisdiction	IREDELL NC
Township / Civil Division	CODDLE CREEK
Census Block Group	2
Census Block	2000
Census Tract	61603

Owner

446 Clay St is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 CLAY ST, MOORESVILLE, NC 28115-3245
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Dec 10, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 8, 2020	Warranty Deed, Transfer ATTORNEY ONLY
May 5, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2020 · Amount on File
Deed Sale	Dec 10, 2020 · Amount on File
Prior Sale	May 8, 2020 · Amount on File
Deed Book / Page	2762 / 175
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	446 CLAY ST, MOORESVILLE, NC 28115-3245
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CLAY ST, MOORESVILLE, NC 28115-3245

Mortgage

Document Number	0030352019
Date	Dec 29, 2023
Book Page	3035/2019

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2053

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Dec 10, 2020
Property Address	446 CLAY ST, MOORESVILLE, NC 28115-3245
Document Number	2762175
Book / Page	2762 / 175
Map Reference	MB 53 PG 82
Instrument Date	Dec 9, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 ACRES CLAY STREET, 43, MOORESVILLE, NC 28115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CLAY ST, MOORESVILLE, NC 28115-3245

Mortgage

Document Number	2762177
Date	Dec 10, 2020
Instrument	2762/177

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	May 8, 2020
Property Address	446 CLAY ST, MOORESVILLE, NC 28115-3245
Document Number	26962462
Book / Page	002696 / 002462
Instrument Date	May 8, 2020
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$44.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	CLAY ST MOORESVILLE NC 28115, MOORESVILLE, NC 28115

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	May 5, 2020
Property Address	446 CLAY ST, MOORESVILLE, NC 28115-3245
Document Number	26952193
Book / Page	002695 / 002193
Instrument Date	May 1, 2020
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15743 SEAFIELD LN HUNTERSVILLE NC 280782284, HUNTERSVILLE, NC 28078-2284

Tax Assessment & Valuation

The 2025 property tax bill for 446 Clay St was $4,397, up 1.4% from the year before.

Source: Iredell County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Iredell County
Municipality	Mooresville Town
Unified School District	Mooresville City Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$363,020 (-) Land $41,000 Building $322,020	$363,020 (-) Land $41,000 Building $322,020
2025	$4,397.00 (+1.38%)	$363,020 (-) Land $41,000 Building $322,020	$363,020 (-) Land $41,000 Building $322,020
2024	$4,337.00 (+0.56%)	$363,020 (-) Land $41,000 Building $322,020	$363,020 (-) Land $41,000 Building $322,020
2023	$4,313.00 (+46.25%)	$363,020 (+70.72%) Land $41,000 Building $322,020	$363,020 (+70.72%) Land $41,000 Building $322,020
2022	$2,949.00	$212,640 Land $25,000 Building $187,640	$212,640 Land $25,000 Building $187,640

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 446 Clay 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	1 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

Wildfire risk around 446 Clay St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MOORESVILLE serves 54,455 people · EPA ID NC0149015
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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