990 Chief Thomas Rd, Harmony, NC 28634 Property Records

Iredell County property record for 990 Chief Thomas Rd, Harmony, NC 28634

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,787 sqft · built 1993
Lot Size	1.13 acres (49,223 sqft)
Owner	Individual Name on File
Tax Bill	$680 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4777-19-5103.000`

Property Details

APN / Parcel Number

Primary APN	`4777-19-5103.000`
Alternative APN	`77368351`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,787 sqft Heated Area
Gross Area	2,176 sqft
1st Floor Area	1,787 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	49,223 sqft (1.13 acres)
Lot Width	220 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	38 sqft
Deck Area	351 sqft
Patio Area	351 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	77368351
Street Address	990 CHIEF THOMAS RD
City	HARMONY
State	NC
Zip	28634-9119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	SR 2158 TOMLIN
Legal Subdivision	COOL SPRINGS
Legal Block	19
Jurisdiction	IREDELL NC
Township / Civil Division	COOL SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	60703

Owner

990 Chief Thomas Rd is owned and occupied by an individual who acquired it in December 2008.

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

Owner of Record	Individual Name on File
Mailing Address	990 CHIEF THOMAS RD, HARMONY, NC 28634-9119
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
Feb 18, 2026	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Feb 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 1994
Deed Sale	Jan 1, 1994
Prior Sale	Jan 1, 1993
Deed Book / Page	907 / 1050
Last Transfer Date	Dec 8, 2008
Transfer Doc	19981401
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	990 CHIEF THOMAS RD, HARMONY, NC 28634-9119
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031941893
Date	Feb 18, 2026
Book Page	3194/1893

Lender

Name	UNITED FCU
Type	Credit Union
Address	150 HILLTOP RD, SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 25, 2036

Interest

Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IREDELL NC
Property Address	990 CHIEF THOMAS RD, HARMONY, NC 28634-9119
Document Number	2540168
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	990 CHIEF THOMAS RD HARMONY NC 286349119, HARMONY, NC 28634-9119

Mortgage

Document Number	2540168
Date	Feb 21, 2018
Book Page	002540/000168

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 20, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 990 Chief Thomas Rd was $680, down 49.7% 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		$206,850 (-) Land $42,710 Building $164,140	$206,850 (-) Land $42,710 Building $164,140
2025	$680.00 (-49.74%)	$206,850 (-) Land $42,710 Building $164,140	$206,850 (-) Land $42,710 Building $164,140
2024	$1,353.00 (+181.88%)	$206,850 (-) Land $42,710 Building $164,140	$206,850 (-) Land $42,710 Building $164,140
2023	$480.00 (-52.94%)	$206,850 (+34.62%) Land $42,710 Building $164,140	$206,850 (+34.62%) Land $42,710 Building $164,140
2022	$1,020.00	$153,650 Land $30,510 Building $123,140	$153,650 Land $30,510 Building $123,140

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

Flood

FEMA maps place 990 Chief Thomas Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 990 Chief Thomas 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IREDELL WATER CORPORATION private · serves 29,370 people · EPA ID NC0149025
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
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	2 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 16 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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