Caldwell County property record for 101 Windy Oaks Ct, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1981 |
| Lot Size | 0.349 acres (15,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $131,000 (Feb 2017) |
| Tax Bill | $1,478 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11 78 2 1 |
| Primary APN | 11 78 2 1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,232 sqft Heated Area |
| Gross Area | 2,238 sqft |
| 1st Floor Area | 1,232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,200 sqft (0.349 acres) |
| Lot Dimensions | 152 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | 256 sqft |
| Patio Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 160819 |
|---|---|
| Street Address | 101 WINDY OAKS CT |
| City | LENOIR |
| State | NC |
| Zip | 28645-8471 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1913 PG 634 YR 2017 ST 262.00 |
| Legal Subdivision | OAKMONT ESTATES |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | NORTH CATAWBA |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 30801 |
101 Windy Oaks Ct is owned and occupied by two individuals who bought it in February 2017.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 WINDY OAKS CT, LENOIR, NC 28645-8471 |
| 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.
| Date | Document |
|---|---|
| Oct 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SKYLINE NATIONAL BANK |
| Feb 10, 2017 | Warranty Deed, Transfer STATE EMPS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2017 · Amount on File |
| Deed Sale | Feb 10, 2017 · Amount on File |
| Deed Book / Page | 1913 / 634 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 101 WINDY OAKS CT, LENOIR, NC 28645-8471 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0020351474 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 2035/1474 |
| Instrument | 10063403 |
| Name | SKYLINE NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | INDEPENDENCE, VA 24348 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Feb 10, 2017 |
| Property Address | 101 WINDY OAKS CT, LENOIR, NC 28645-8471 |
| Document Number | 0010008507 |
| Book / Page | 001913 / 000634 |
| Instrument Date | Feb 10, 2017 |
| Instrument | 10008507 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $262.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 101 WINDY OAKS CT LENOIR NC 286458471, LENOIR, NC 28645-8471 |
| Document Number | 10008508 |
|---|---|
| Date | Feb 10, 2017 |
| Book Page | 001913/000636 |
| Instrument | 10008508 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611-5279 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 9, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
The 2026 property tax bill for 101 Windy Oaks Ct was $1,478, down 20.1% from the year before.
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Cajah's Mountain Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,478.00 (-20.06%) | $226,600 (-) Land $15,500 Building $211,100 | |
| 2025 | $1,849.00 | $226,600 Land $15,500 Building $211,100 | $226,600 Land $15,500 Building $211,100 |
| 2023 | $126,400 (-) Land $15,500 Building $110,900 | $126,400 (-) Land $15,500 Building $110,900 | |
| 2022 | $993.00 | $126,400 Land $15,500 Building $110,900 | $126,400 Land $15,500 Building $110,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 Windy Oaks Ct in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 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 risk around 101 Windy Oaks Ct is low, with a 0.02% 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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BATON WATER CORPORATION private · serves 7,874 people · EPA ID NC0114025 |
|---|---|
| Water Source | Purchased surface water from CITY OF LENOIR |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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