13 Montclair Ave, Granite Falls, NC 28630 Property Records

Caldwell County property record for 13 Montclair Ave, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,163 sqft · built 1992
Lot Size	0.474 acres (20,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,500 (Jan 2017)
Tax Bill	$1,883 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08 47B 1 2`

Property Details

APN / Parcel Number

Primary APN	`08 47B 1 2`
Alternative APN	`160715`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,163 sqft Heated Area
Gross Area	4,739 sqft
1st Floor Area	1,442 sqft
Upper Floors Area	721 sqft
Basement Area	1,442 sqft
Finished Basement	1,250 sqft
Unfinished Basement	192 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,640 sqft (0.474 acres)
Lot Dimensions	215 ft deep x 96 ft wide
Garage Type	Mixed
Garage Area	1,456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	414 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	160715
Street Address	13 MONTCLAIR AVE
City	GRANITE FALLS
State	NC
Zip	28630-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1911 PG 1069 YR 2017 ST 511.00
Legal Subdivision	PROVIDENCE GLEN
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2010
Census Tract	31403

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 11, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2017 · Amount on Record
Deed Sale	Jan 11, 2017 · Amount on Record
Prior Sale	May 22, 2002 · Amount on Record
Deed Book / Page	1911 / 1069
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	13 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1101
Transaction Type	Mortgage
Record Updated	Jan 12, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1101

Mortgage

Document Number	0020961659
Date	Nov 8, 2023
Book Page	2096/1659
Instrument	10090184

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jan 11, 2017
Property Address	13 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1101
Document Number	0019111069
Book / Page	001911 / 001069
Instrument Date	Jan 11, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$511.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 MONTCLAIR AVE GRANITE FALLS NC 286301101, GRANITE FALLS, NC 28630-1101

Mortgage

Document Number	19111072
Date	Jan 11, 2017
Book Page	001911/001072

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2047

Tax Assessment & Valuation

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	$1,883.00 (-33.23%)	$444,800 (-) Land $16,100 Building $428,700
2025	$2,820.00 (+64.05%)	$444,800 (+61.39%) Land $16,100 Building $428,700	$444,800 (+61.39%) Land $16,100 Building $428,700
2023		$275,600 (-) Land $16,100 Building $259,500	$275,600 (-) Land $16,100 Building $259,500
2022	$1,719.00	$275,600 Land $16,100 Building $259,500	$275,600 Land $16,100 Building $259,500

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

Flood

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · river or lake flooding

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

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	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.

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

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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