105 S Main St, Granite Falls, NC 28630 Property Records

Caldwell County property record for 105 S Main St, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,370 sqft · built 1971
Lot Size	0.796 acres (34,672 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Dec 2019)
Tax Bill	$831 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08 18 4 2`

Property Details

APN / Parcel Number

Primary APN	`08 18 4 2`
Alternative APN	`167732`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,370 sqft Heated Area
Gross Area	2,026 sqft
1st Floor Area	1,306 sqft
Attic	Attic
Attic Area	400 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1976
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	34,672 sqft (0.796 acres)
Lot Dimensions	197 ft deep x 176 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	120 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	167732
Street Address	105 S MAIN ST
City	GRANITE FALLS
State	NC
Zip	28630-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1977 PG 1514 YR 2019 ST 240.00
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	1
Census Block	1014
Census Tract	31402

Owner

105 S Main St is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	105 S MAIN ST, GRANITE FALLS, NC 28630-1912
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2019 · Amount on File
Deed Sale	Dec 12, 2019 · Amount on File
Deed Document Number	201910039437
Deed Book / Page	1977 / 1514
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Dec 12, 2019
Property Address	105 S MAIN ST, GRANITE FALLS, NC 28630-1912
Document Number	0010039437
Book / Page	001977 / 001514
Instrument Date	Dec 9, 2019
Instrument	10039437
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 S MAIN ST GRANITE FALLS NC 286301912, GRANITE FALLS, NC 28630-1912

Mortgage

Document Number	10039438
Date	Dec 12, 2019
Book Page	001977/001517
Instrument	10039438

Lender

Name	CERTAINTY HM LNS LLC
Address	PLANO, TX 75093

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 105 S Main St was $831, down 25.5% 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	Granite Falls Town
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$831.00 (-25.47%)	$174,200 (-) Land $26,100 Building $148,100
2025	$1,115.00	$174,200 Land $26,100 Building $148,100	$174,200 Land $26,100 Building $148,100
2023		$116,100 (-) Land $26,100 Building $90,000	$116,100 (-) Land $26,100 Building $90,000
2022	$734.00	$116,100 Land $26,100 Building $90,000	$116,100 Land $26,100 Building $90,000

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

Flood

FEMA maps place 105 S Main St 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	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 105 S Main St 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	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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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