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

Iredell County property record for 534 Howards Bridge Rd, Union Grove, NC 28689

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,450 sqft · built 2019
Lot Size	22.3 acres (971,824 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,259 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2019 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`4854-11-6034.000`

Property Details

APN / Parcel Number

Primary APN	`4854-11-6034.000`
Alternative APN	`80064076`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,450 sqft Heated Area
Gross Area	5,601 sqft
1st Floor Area	2,750 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	971,824 sqft (22.3 acres)
Lot Width	1,611 ft Width
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	560 sqft
Porch	Slab
Porch Area	45 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80064076
Street Address	534 HOWARDS BRIDGE RD
City	UNION GROVE
State	NC
Zip	28689-9278
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	HOWARD SR 1852
Legal Subdivision	UNION GROVE
Legal Tract	1
Legal Block	11
Jurisdiction	IREDELL NC
Township / Civil Division	UNION GROVE
Census Block Group	2
Census Block	2035
Census Tract	60901

Owner

534 Howards Bridge Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	534 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9278
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
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAROLINA FARM CREDIT ACA
Jul 12, 2019	Warranty Deed, Construction Loan · Construction Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	534 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9278
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2817228
Date	May 26, 2021
Book Page	2817/228

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Bank
Address	GREENSBORO, NC 27408

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

July 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Jul 12, 2019
Property Address	534 HOWARDS BRIDGE RD, UNION GROVE, NC 28689-9278
Document Number	26302068
Book / Page	002630 / 002068
Instrument Date	Jul 8, 2019
Transaction Type	Construction Loan
Record Updated	Aug 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$290.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CHICK RD UNION GROVE NC 286899282, UNION GROVE, NC 28689-9282

Mortgage

Document Number	26302071
Date	Jul 12, 2019
Book Page	002630/002071

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LIBERTY, NC 27298

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 534 Howards Bridge Rd was $4,259, up 3.2% from the year before.

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		$711,790 (-)	$809,100 (-) Land $129,620 Building $679,480
2025	$4,259.00 (+3.17%)	$711,790 (+3.21%)	$809,100 (-) Land $129,620 Building $679,480
2024	$4,128.00 (+36.78%)	$689,640 (+37.51%)	$809,100 (+30.29%) Land $129,620 Building $679,480
2023	$3,018.00 (+22.98%)	$501,520 (+31.21%)	$620,980 (+28.44%) Land $129,620 Building $491,360
2022	$2,454.00	$382,240	$483,470 Land $111,100 Building $372,370

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

Flood

FEMA maps place 534 Howards Bridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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 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 534 Howards Bridge Rd 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	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 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 (outdoors only) and 4G LTE

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