Caldwell County property record for 1322 Garden Ln, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 1976 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,050 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06 30 1 23 |
| Primary APN | 06 30 1 23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,326 sqft Heated Area |
| Gross Area | 3,506 sqft |
| 1st Floor Area | 1,326 sqft |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Mixed |
| Garage Area | 1,200 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 256 sqft |
| Deck Area | 40 sqft |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 121055 |
|---|---|
| Street Address | 1322 GARDEN LN |
| City | LENOIR |
| State | NC |
| Zip | 28645-8344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1468 PG 877 YR 03 ST 0.00 |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LENOIR |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 30200 |
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 | 1322 GARDEN LN, LENOIR, NC 28645-8344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 1322 GARDEN LN, LENOIR, NC 28645-8344 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020680273 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 2068/273 |
| Instrument | 10077455 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | LENOIR, NC 28645 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,050.00 (-4.72%) | $217,100 (-) Land $12,100 Building $205,000 | |
| 2025 | $1,102.00 (+93.67%) | $217,100 (+77.22%) Land $12,100 Building $205,000 | $217,100 (+77.22%) Land $12,100 Building $205,000 |
| 2023 | $122,500 (-) Land $12,100 Building $110,400 | $122,500 (-) Land $12,100 Building $110,400 | |
| 2022 | $569.00 | $122,500 Land $12,100 Building $110,400 | $122,500 Land $12,100 Building $110,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 3 (1979) |
| Most Recent Claim | Sep 1979 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | CALDWELL COUNTY WATER--WEST serves 8,763 people · EPA ID NC0114045 |
|---|---|
| Water Source | Purchased surface water from CITY OF LENOIR |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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