535 Lake Cir, Troutman, NC 28166 Property Records

Iredell County property record for 535 Lake Cir, Troutman, NC 28166

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,686 sqft · built 2020
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$36,000 (Sep 2019)
Tax Bill	$1,870 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4731-92-2357.000`

Property Details

APN / Parcel Number

Primary APN	`4731-92-2357.000`
Alternative APN	`80065578`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,686 sqft Heated Area
Gross Area	1,922 sqft
1st Floor Area	1,230 sqft
Flooring	Ceramic Tile
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	30,056 sqft (0.69 acres)
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80065578
Street Address	535 LAKE CIR
City	TROUTMAN
State	NC
Zip	28166-9607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	L22 PT L23 J P HOLTHOUSER PB 25-211
Legal Subdivision	TROUTMAN AREA WEST
Legal Block	92
Legal Lot Number	22-23
Jurisdiction	IREDELL NC
Township / Civil Division	FALLSTOWN
Census Block Group	3
Census Block	3009
Census Tract	61202

Owner

Source: Iredell County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	535 LAKE CIR, TROUTMAN, NC 28166-9607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Jun 9, 2020	Deed of Trust, Mortgage · Construction Mortgage POTOMAC MORTGAGE GROUP LLC
Sep 12, 2019	Warranty Deed, Transfer · Line of Credit BLUEHARBOR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Prior Sale	Oct 19, 1995
Deed Book / Page	2644 / 516
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Recording Date	Oct 1, 2026
Property Address	535 LAKE CIR, TROUTMAN, NC 28166-9607
Document Number	0000011025
Book / Page	3245 / 511
Instrument Date	Sep 17, 2026
Instrument	202611025
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 LAKE CIR, TROUTMAN, NC 28166-9607

Mortgage

Document Number	0000011025,
Date	Oct 1, 2026
Book Page	3245/511
Instrument	202611025

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2056

Interest

Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	535 LAKE CIR, TROUTMAN, NC 28166-9607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST CHOICE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	27661519
Date	Dec 23, 2020
Book Page	2766/1519

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	535 LAKE CIR, TROUTMAN, NC 28166-9607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST CHOICE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	27042031
Date	Jun 9, 2020
Book Page	2704/2031

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jul 1, 2021

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Sep 12, 2019
Property Address	535 LAKE CIR, TROUTMAN, NC 28166-9607
Document Number	2644516
Book / Page	002644 / 000516
Instrument Date	Sep 12, 2019
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	STATEWIDE TITLE COMPANY, STATEWIDE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	140 RIVER BIRCH CIR MOORESVILLE NC 281155758, MOORESVILLE, NC 28115-5758

Mortgage

Document Number	2644518
Date	Sep 12, 2019
Book Page	002644/000518

Lender

Name	BLUEHARBOR BK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$301,820 (-) Land $44,000 Building $257,820	$301,820 (-) Land $44,000 Building $257,820
2025	$1,870.00	$301,820 (-) Land $44,000 Building $257,820	$301,820 (-) Land $44,000 Building $257,820
2024	$1,870.00 (+4.41%)	$301,820 (+4.59%) Land $44,000 Building $257,820	$301,820 (+4.59%) Land $44,000 Building $257,820
2023	$1,791.00 (+58.36%)	$288,580 (+71.71%) Land $44,000 Building $244,580	$288,580 (+71.71%) Land $44,000 Building $244,580
2022	$1,131.00	$168,060 Land $16,500 Building $151,560	$168,060 Land $16,500 Building $151,560

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 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

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

Wildfire Risk	Low lower than 67% of the US · above 43% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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