Caldwell County property record for 1603 Zacks Fork Rd, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,832 sqft · built 1973 |
| Lot Size | 8.93 acres (388,991 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,991 (2026) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23434 |
| Primary APN | 23434 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,832 sqft Heated Area |
| Gross Area | 3,992 sqft |
| 1st Floor Area | 1,888 sqft |
| Upper Floors Area | 944 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | A-Frame |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 388,991 sqft (8.93 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 576 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 1,160 sqft |
| Patio Area | 1,160 sqft |
| Storage Building | Storage Building |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 23434 |
|---|---|
| Street Address | 1603 ZACKS FORK RD |
| City | LENOIR |
| State | NC |
| Zip | 28645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 663 PG 1924 YR 2001 ST 0.00 |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOWER CREEK |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 31100 |
1603 Zacks Fork Rd, a single family home, is owned by an individual.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 167, LENOIR, NC 28645-0167 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 1603 ZACKS FORK RD, LENOIR, NC 28645 |
| Document Number | 0010012946 |
| Book / Page | 001922 / 000506 |
| Instrument Date | Jul 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1603 ZACKS FORK RD LENOIR NC 28645, LENOIR, NC 28645 |
| Document Number | 0010012946 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 001922/000506 |
| Instrument | 10012946 |
| Name | CAROLINA TR BK |
|---|---|
| Type | Bank |
| Address | HICKORY, NC 28601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1603 Zacks Fork Rd was $2,991, down 4.7% from the year before.
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 | $2,991.00 (-4.71%) | $481,400 (-) Land $68,200 Building $413,200 | |
| 2025 | $3,139.00 | $481,400 Land $68,200 Building $413,200 | $481,400 Land $68,200 Building $413,200 |
| 2023 | $308,300 (-) Land $57,400 Building $250,900 | $308,300 (-) Land $57,400 Building $250,900 | |
| 2022 | $2,288.00 | $308,300 Land $57,400 Building $250,900 | $308,300 Land $57,400 Building $250,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1603 Zacks Fork Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 1603 Zacks Fork Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 52% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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