1286 May Rd, Granite Falls, NC 28630 Property Records

Caldwell County property record for 1286 May Rd, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1993
Lot Size	1.64 acres (71,438 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Jan 2005)
Tax Bill	$1,924 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11 31 1 90`

Property Details

APN / Parcel Number

Primary APN	`11 31 1 90`
Alternative APN	`125703`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,540 sqft Heated Area
Gross Area	3,894 sqft
1st Floor Area	1,015 sqft
Upper Floors Area	525 sqft
Attic	Attic
Attic Area	291 sqft
Basement Area	1,015 sqft
Unfinished Basement	1,015 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	71,438 sqft (1.64 acres)
Garage Type	Finished
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	125703
Street Address	1286 MAY RD
City	GRANITE FALLS
State	NC
Zip	28630-8210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1537 PG 144 YR 05 ST 340.00
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	4
Census Block	4032
Census Tract	30700

Owner

1286 May Rd is owned and occupied by two individuals who bought it in January 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	1286 MAY RD, GRANITE FALLS, NC 28630-8210
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
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 20, 2020	Deed of Trust, Mortgage NEW AMERICAN FNDG
Apr 20, 2020	Deed of Trust, Mortgage STATE EMPS CU
Oct 1, 2019	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU
Sep 7, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2005 · Amount on File
Deed Sale	Jan 28, 2005 · Amount on File
Deed Book / Page	1537 / 144
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	1286 MAY RD, GRANITE FALLS, NC 28630-8210
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020601314
Date	Jun 30, 2022
Book Page	2060/1314
Instrument	10074074

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HICKORY, NC 28602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	1286 MAY RD, GRANITE FALLS, NC 28630-8210
Document Number	0010050917
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1286 MAY RD GRANITE FALLS NC 286308210, GRANITE FALLS, NC 28630-8210

Mortgage

Document Number	0010050917
Date	Nov 25, 2020
Book Page	002005/000406
Instrument	10050917

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	1286 MAY RD, GRANITE FALLS, NC 28630-8210
Document Number	0010043443
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 MAY RD GRANITE FALLS NC 286308210, GRANITE FALLS, NC 28630-8210

Mortgage

Document Number	0010043443
Date	Apr 24, 2020
Book Page	001986/001965
Instrument	10043443

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	1286 MAY RD, GRANITE FALLS, NC 28630-8210
Document Number	0010037448
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 MAY RD GRANITE FALLS NC 286308210, GRANITE FALLS, NC 28630-8210

Mortgage

Document Number	0010037448
Date	Oct 9, 2019
Book Page	001973/000420
Instrument	10037448

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Oct 8, 2039

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	1286 MAY RD, GRANITE FALLS, NC 28630-8210
Document Number	0010026172
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 MAY RD GRANITE FALLS NC 286308210, GRANITE FALLS, NC 28630-8210

Mortgage

Document Number	0010026172
Date	Sep 21, 2018
Book Page	001949/000741
Instrument	10026172

Lender

Name	STATE EMPS CU
Address	HICKORY, NC 28602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1286 May Rd was $1,924, 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
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,924.00 (-4.52%)	$295,000 (-) Land $21,800 Building $273,200
2025	$2,015.00	$295,000 Land $21,800 Building $273,200	$295,000 Land $21,800 Building $273,200
2023		$177,100 (-) Land $18,600 Building $158,500	$177,100 (-) Land $18,600 Building $158,500
2022	$1,390.00	$177,100 Land $18,600 Building $158,500	$177,100 Land $18,600 Building $158,500

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

Flood

FEMA maps place 1286 May Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1286 May Rd 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 66% of the US · above 46% 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 48 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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