10 Cherry St, Granite Falls, NC 28630 Property Records

Caldwell County property record for 10 Cherry St, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1981
Lot Size	0.205 acres (8,938 sqft)
Owner	2 Individual Names on Record
Last Sale	$183,000 (Jul 2022)
Tax Bill	$669 (2026)
Deeds & Mortgages	Dec 2022 Transfer Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08 27 4 1`

Property Details

APN / Parcel Number

Primary APN	`08 27 4 1`
Alternative APNs	`157605` `47630`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Heated Area
Gross Area	2,000 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1985
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,938 sqft (0.205 acres)
Lot Dimensions	109 ft deep x 82 ft wide

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	64 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	47630
Street Address	10 CHERRY ST
City	GRANITE FALLS
State	NC
Zip	28630-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2073 PG 915 YR 22 ST 0.00 LIFE ESTATE
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2031
Census Tract	31403

Owner

Source: Caldwell County records, as of October 20, 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	19 SUNSET ST, GRANITE FALLS, NC 28630-1316
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Intrafamily Transfer, Transfer
Jul 27, 2022	Warranty Deed, Transfer
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 19, 2017	Deed of Trust, Mortgage STATE EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Jul 30, 2001
Deed Document Number	202210074942
Deed Book / Page	2062 / 1341
Last Transfer Date	Dec 20, 2022
Transfer Doc	0020730915
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALDWELL NC
Recording Date	Dec 20, 2022
Property Address	10 CHERRY ST, GRANITE FALLS, NC 28630-1406
Document Number	0020730915
Book / Page	2073 / 915
Instrument Date	Dec 20, 2022
Instrument	10079813
Transaction Type	Transfer
Record Updated	Mar 29, 2023

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
Relationship	Tenants in Common
Address	19 SUNSET ST, GRANITE FALLS, NC 28630-1316

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jul 27, 2022
Property Address	10 CHERRY ST, GRANITE FALLS, NC 28630-1406
Document Number	0020621341
Book / Page	2062 / 1341
Instrument Date	Jul 27, 2022
Instrument	10074942
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Amount	Amount Recorded
Tax	$366.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 SUNSET ST, GRANITE FALLS, NC 28630-1316

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	10 CHERRY ST, GRANITE FALLS, NC 28630-1406
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020111917
Date	Feb 11, 2021
Book Page	2011/1917
Instrument	10053656

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Mar 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	9.87%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	10 CHERRY ST, GRANITE FALLS, NC 28630-1406
Document Number	0010012579
Book / Page	001921 / 000761
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CHERRY ST GRANITE FALLS NC 286301406, GRANITE FALLS, NC 28630-1406

Mortgage

Document Number	0010012579
Date	Jun 23, 2017
Book Page	001921/000761
Instrument	10012579

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Municipality	Granite Falls Town
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$669.00 (-25.42%)	$139,500 (-) Land $8,500 Building $131,000
2025	$897.00 (+82.69%)	$139,500 (+85.51%) Land $8,500 Building $131,000	$139,500 (+85.51%) Land $8,500 Building $131,000
2024	$491.00 (+1.87%)
2023		$75,200 (-) Land $8,500 Building $66,700	$75,200 (-) Land $8,500 Building $66,700
2022	$482.00	$75,200 Land $8,500 Building $66,700	$75,200 Land $8,500 Building $66,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 22, 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	2 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · river or lake flooding

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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.

Drinking Water

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

Water System	TOWN OF GRANITE FALLS serves 7,318 people · EPA ID NC0114030
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

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