102 Red Oak Dr, Lenoir, NC 28645 Property Records

Caldwell County property record for 102 Red Oak Dr, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,369 sqft · built 1983
Lot Size	0.647 acres (28,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,587 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11 78 1 15`

Property Details

APN / Parcel Number

Primary APN	`11 78 1 15`
Alternative APN	`29887`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,369 sqft Heated Area
Gross Area	3,302 sqft
1st Floor Area	1,369 sqft
Basement Area	1,301 sqft
Unfinished Basement	1,301 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,200 sqft (0.647 acres)
Lot Dimensions	188 ft deep x 150 ft wide

Exterior Amenities

Porch	Patio
Porch Area	488 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	29887
Street Address	102 RED OAK DR
City	LENOIR
State	NC
Zip	28645-8466
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0819/0188 0083 55.00
Legal Subdivision	OAKMONT ESTATES
Jurisdiction	CALDWELL NC
Township / Civil Division	NORTH CATAWBA
Census Block Group	2
Census Block	2014
Census Tract	30801

Owner

102 Red Oak Dr is owned and occupied by two individuals.

Source: Caldwell County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	102 RED OAK DR, LENOIR, NC 28645-8466
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
Aug 13, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS CU

Assessor's Deed Record

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	102 RED OAK DR, LENOIR, NC 28645-8466
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020301254
Date	Aug 13, 2021
Book Page	2030/1254
Instrument	10061282

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LENOIR, NC 28645

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	102 RED OAK DR, LENOIR, NC 28645-8466
Document Number	0010041040
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 RED OAK DR LENOIR NC 286458466, LENOIR, NC 28645-8466

Mortgage

Document Number	0010041040
Date	Feb 6, 2020
Book Page	001981/000419
Instrument	10041040

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Feb 5, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 102 Red Oak Dr was $1,587, down 4.5% from the year before.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Municipality	Cajah's Mountain Town
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,587.00 (-4.46%)	$243,400 (+0.04%) Land $23,600 Building $219,800
2025	$1,661.00	$243,300 Land $23,600 Building $219,700	$243,400 Land $23,600 Building $219,800
2023		$144,000 (-) Land $23,600 Building $120,400	$144,000 (-) Land $23,600 Building $120,400
2022	$1,129.00	$144,000 Land $23,600 Building $120,400	$144,000 Land $23,600 Building $120,400

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

Flood

FEMA maps place 102 Red Oak Dr 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

Wildfire risk around 102 Red Oak Dr is low, with a 0.03% 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	0.03% 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	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

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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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