Caldwell County property record for 12 Meandering Way, Granite Falls, NC 28630
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,590 sqft · built 1990 |
| Lot Size | 0.446 acres (19,430 sqft) |
| Owner | Individual Name on File |
| Last Sale | $379,000 (Oct 2021) |
| Tax Bill | $2,401 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jul 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08113A 1 79 |
| Primary APN | 08113A 1 79 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,590 sqft Heated Area |
| Gross Area | 3,862 sqft |
| 1st Floor Area | 1,681 sqft |
| Upper Floors Area | 756 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,430 sqft (0.446 acres) |
| Lot Dimensions | 145 ft deep x 134 ft wide |
| Garage Type | Finished |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 391 sqft |
| Deck Area | 390 sqft |
| Patio Area | 390 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 173013 |
|---|---|
| Street Address | 12 MEANDERING WAY |
| City | GRANITE FALLS |
| State | NC |
| Zip | 28630-9324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2037 PG 1087 YR 21 ST 758.00 |
| Legal Subdivision | GRANADA FARMS DEVELOPMENT |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 31301 |
12 Meandering Way is owned and occupied by an individual who bought it in October 2021.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| 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 |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Oct 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Oct 24, 2019 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| May 1, 2018 | Warranty Deed, Transfer · FHA Mortgage ALCOVA MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on File |
| Deed Sale | Oct 19, 2021 · Amount on File |
| Prior Sale | May 1, 2018 · Amount on File |
| Deed Document Number | 202110064149 |
| Deed Book / Page | 2037 / 1087 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0020650444 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 2065/444 |
| Instrument | 10076115 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 3, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0020270880 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 2027/880 |
| Instrument | 10059960 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Oct 19, 2021 |
| Property Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0020371087 |
| Book / Page | 2037 / 1087 |
| Map Reference | MB 9 PG 2 |
| Instrument Date | Oct 19, 2021 |
| Instrument | 10064149 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $758.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2977 CHASE RIDGE DR, 2977, MIDDLEBURG, FL 32068-8232 |
| Name | Verified Name |
|---|---|
| Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0010064150 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 10064150 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0010049535 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 MEANDERING WAY GRANITE FALLS NC 286309324, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0010049535 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 002001/001710 |
| Instrument | 10049535 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0010038041 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12 MEANDERING WAY GRANITE FALLS NC 286309324, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0010038041 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 001974/001203 |
| Instrument | 10038041 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 28, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | May 1, 2018 |
| Property Address | 12 MEANDERING WAY, GRANITE FALLS, NC 28630-9324 |
| Document Number | 0010021859 |
| Book / Page | 001940 / 001258 |
| Instrument Date | May 1, 2018 |
| Instrument | 10021859 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $596.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 12 MEANDERING WAY GRANITE FALLS NC 286309324, GRANITE FALLS, NC 28630-9324 |
| Document Number | 10021860 |
|---|---|
| Date | May 1, 2018 |
| Book Page | 001940/001262 |
| Instrument | 10021860 |
| Name | ALCOVA MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 30, 2048 |
The 2026 property tax bill for 12 Meandering Way was $2,401, down 25.8% from the year before.
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Granite Falls Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,401.00 (-25.78%) | $510,700 (-) Land $26,300 Building $484,400 | |
| 2025 | $3,235.00 | $510,700 Land $26,300 Building $484,400 | $510,700 Land $26,300 Building $484,400 |
| 2023 | $298,800 (-) Land $26,300 Building $272,500 | $298,800 (-) Land $26,300 Building $272,500 | |
| 2022 | $1,862.00 | $298,800 Land $26,300 Building $272,500 | $298,800 Land $26,300 Building $272,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Meandering Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 4 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2020 · Tropical Storm Eta |
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.
The area around 12 Meandering Way has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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