470 Patterson St, Troutman, NC 28166 Property Records

Iredell County property record for 470 Patterson St, Troutman, NC 28166

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 1983
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Nov 2005)
Tax Bill	$2,695 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4731-97-5488.000`

Property Details

APN / Parcel Number

Primary APN	`4731-97-5488.000`
Alternative APN	`80023980`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Heated Area
Gross Area	2,145 sqft
1st Floor Area	984 sqft
Basement Area	248 sqft
Unfinished Basement	248 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	372 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80023980
Street Address	470 PATTERSON ST
City	TROUTMAN
State	NC
Zip	28166-9689
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	L25-28 BL B BRADBURN PB 5-68
Legal Subdivision	PATTERSON ST AREA
Legal Block	97
Legal Lot Number	25-28
Jurisdiction	IREDELL NC
Township / Civil Division	FALLSTOWN
Census Block Group	2
Census Block	2009
Census Tract	61202

Owner

470 Patterson St is owned and occupied by two individuals who bought it in November 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	470 PATTERSON ST, TROUTMAN, NC 28166-9689
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
Jul 28, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Aug 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2005 · Amount on File
Deed Sale	Nov 30, 2005 · Amount on File
Prior Sale	Mar 1, 2001 · Amount on File
Deed Book / Page	1703 / 1026
Prior Transfer Date	Feb 28, 2001
Prior Transfer Doc	9999000016
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Recording Date	Jul 28, 2026
Property Address	470 PATTERSON ST, TROUTMAN, NC 28166-9689
Document Number	3230001405
Book / Page	3230 / 1405
Instrument Date	Jul 23, 2026
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 PATTERSON ST, TROUTMAN, NC 28166-9689

Mortgage

Document Number	3230001405,
Date	Jul 28, 2026
Book Page	3230/1405

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	470 PATTERSON ST, TROUTMAN, NC 28166-9689
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002941752
Date	Aug 22, 2022
Book Page	2941/752

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 470 Patterson St was $2,695.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,560 (-) Land $20,000 Building $219,560	$239,560 (-) Land $20,000 Building $219,560
2025	$2,695.00	$239,560 (-) Land $20,000 Building $219,560	$239,560 (-) Land $20,000 Building $219,560
2024	$2,695.00	$239,560 (-) Land $20,000 Building $219,560	$239,560 (-) Land $20,000 Building $219,560
2023	$2,695.00 (+67.7%)	$239,560 (+79.2%) Land $20,000 Building $219,560	$239,560 (+79.2%) Land $20,000 Building $219,560
2022	$1,607.00	$133,680 Land $24,000 Building $109,680	$133,680 Land $24,000 Building $109,680

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

Flood

FEMA maps place 470 Patterson St 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 470 Patterson St is low, with a 0.03% 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	0.03% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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