5220 Millstone Dr, Catawba, NC 28609 Property Records

Catawba County property record for 5220 Millstone Dr, Catawba, NC 28609

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,122 sqft · built 1999
Lot Size	3.02 acres (131,551 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Apr 2023)
Tax Bill	$2,317 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3780-03-23-1660`

Property Details

APN / Parcel Number

Primary APN	`3780-03-23-1660`
Alternative APN	`0070341`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,122 sqft Living Area
1st Floor Area	2,852 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	131,551 sqft (3.02 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	754 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	440 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5220 MILLSTONE DR
City	CATAWBA
State	NC
Zip	28609-8099
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	LOT 2 PLAT 30-80
Legal Subdivision	MURRAYS MILL SHEET 1
Legal Lot Number	2
Jurisdiction	CATAWBA NC
Township / Civil Division	CATAWBA
Census Block Group	1
Census Block	1012
Census Tract	11501

Owner

Source: Catawba County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5220 MILLSTONE DR, CATAWBA, NC 28609-8099
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 17, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	Apr 1, 1998 · Amount on Record
Deed Document Number	20236412
Deed Book / Page	3804 / 694
Prior Transfer Date	Oct 5, 2010
Prior Transfer Doc	0030450231
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	5220 MILLSTONE DR, CATAWBA, NC 28609-8099
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 MILLSTONE DR, CATAWBA, NC 28609-8099

Mortgage

Document Number	0039840172
Date	Nov 26, 2025
Book Page	3984/172
Instrument	23355

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Min Rate At Change	3.32%
Max Rate At Change	7.32%
Index	5-Year CMT
Margin	2
Max Rate	11.3%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	5220 MILLSTONE DR, CATAWBA, NC 28609-8099
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038371668
Date	Oct 20, 2023
Book Page	3837/1668
Instrument	18669

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Apr 17, 2023
Property Address	5220 MILLSTONE DR, CATAWBA, NC 28609-8099
Document Number	0038040694
Book / Page	3804 / 694
Map Reference	PL 30 PG 80
Instrument Date	Apr 17, 2023
Instrument	6412
Transaction Type	Transfer
Record Updated	May 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	344 OAK GROVE CHURCH RD, MOCKSVILLE, NC 27028-4312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 MILLSTONE DR, CATAWBA, NC 28609-8099

Mortgage

Document Number	0000006413
Date	Apr 17, 2023
Instrument	6413

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.4%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.4%
Index	5-Year CMT
Max Rate	11.4%

Tax Assessment & Valuation

Source: Catawba County assessment roll, as of August 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Catawba County
Unified School District	Catawba County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$581,500 (+35.08%) Land $37,200 Building $544,300
2025	$2,317.00 (+7.97%)	$430,500 (+55.02%) Land $37,200 Building $393,300
2024	$2,146.00 (+5.77%)
2023	$2,029.00	$277,700 Land $37,200 Building $240,500	$581,500 Land $37,200 Building $544,300

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 September 1, 2026 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.05% 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)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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