488 Howards Bridge Rd, Union Grove, NC 28689 Property Records

Iredell County property record for 488 Howards Bridge Rd, Union Grove, NC 28689

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,302 sqft · built 2016
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,502 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2021 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`4854-10-2264.000`

Property Details

APN / Parcel Number

Primary APN	`4854-10-2264.000`
Alternative APN	`80081173`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,302 sqft Heated Area
Gross Area	3,078 sqft
1st Floor Area	952 sqft
Basement Area	952 sqft
Finished Basement	952 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	174,240 sqft (4 acres)
Lot Width	239 ft Width

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Deck Area	340 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	80081173
Street Address	488 HOWARDS BRIDGE RD
City	UNION GROVE
State	NC
Zip	28689-9277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LT 1 RODNEY S FEIMSTER PROP PB64-46
Legal Subdivision	UNION GROVE
Legal Block	10
Legal Lot Number	1
Jurisdiction	IREDELL NC
Township / Civil Division	UNION GROVE
Census Block Group	2
Census Block	2035
Census Tract	60901

Owner

488 Howards Bridge Rd is owned and occupied by two individuals who acquired it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	488 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9277
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
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Nov 28, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 15, 2021
Transfer Doc	2805792
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	488 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9277
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032011672
Date	Mar 20, 2026
Book Page	3201/1672

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	488 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9277
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028771681
Date	Dec 8, 2021
Book Page	2877/1681

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	STATESVILLE, NC 28687

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IREDELL NC
Recording Date	Apr 20, 2021
Property Address	488 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9277
Document Number	2805792
Book / Page	2805 / 792
Map Reference	MB 64 PG 46
Instrument Date	Apr 15, 2021
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9277

Mortgage

Document Number	2805795
Date	Apr 20, 2021
Instrument	2805/795

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	488 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9277
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDER RECORDING SERVICES IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	25252229
Date	Nov 28, 2017
Book Page	2525/2229

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 488 Howards Bridge Rd was $1,502.

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		$244,440 (-) Land $29,960 Building $214,480	$244,440 (-) Land $29,960 Building $214,480
2025	$1,502.00	$244,440 (-) Land $29,960 Building $214,480	$244,440 (-) Land $29,960 Building $214,480
2024	$1,502.00	$244,440 (-) Land $29,960 Building $214,480	$244,440 (-) Land $29,960 Building $214,480
2023	$1,502.00 (+28.6%)	$244,440 (+38.39%) Land $29,960 Building $214,480	$244,440 (+38.39%) Land $29,960 Building $214,480
2022	$1,168.00	$176,630 Land $25,680 Building $150,950	$176,630 Land $25,680 Building $150,950

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

Flood

FEMA maps place 488 Howards Bridge Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2005 · other causes

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 488 Howards Bridge Rd is low, with less than 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zirrus Fiber	6,000 / 6,000

Cell Coverage

5G and 4G LTE (outdoors only)

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