18 River Dr, Granite Falls, NC 28630 Property Records

Caldwell County property record for 18 River Dr, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,466 sqft · built 1977
Lot Size	0.376 acres (16,371 sqft)
Owner	2 Individual Names on File
Last Sale	$289,500 (Sep 2020)
Tax Bill	$2,567 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08113A 1178`

Property Details

APN / Parcel Number

Primary APN	`08113A 1178`
Alternative APN	`169532`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,466 sqft Heated Area
Gross Area	3,322 sqft
1st Floor Area	1,233 sqft
Upper Floors Area	1,233 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,371 sqft (0.376 acres)
Lot Dimensions	153 ft deep x 107 ft wide
Porch	Slab
Porch Area	856 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	169532
Street Address	18 RIVER DR
City	GRANITE FALLS
State	NC
Zip	28630-9341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1997 PG 1951 YR 2020 ST 579.00
Legal Subdivision	GRANADA FARMS
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2024
Census Tract	31301

Owner

Source: Caldwell County assessment roll, as of July 22, 2025

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 File
Mailing Address	18 RIVER DR, GRANITE FALLS, NC 28630-9341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Warranty Deed, Transfer · Conventional with PMI GUILD MTG
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit CAROLINA TR BK
Nov 22, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 8, 2020 · Amount on Record
Deed Sale	Sep 8, 2020 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	202010048003
Deed Book / Page	1997 / 1951
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Sep 8, 2020
Property Address	18 RIVER DR, GRANITE FALLS, NC 28630-9341
Document Number	0010048003
Book / Page	001997 / 001951
Instrument Date	Sep 3, 2020
Instrument	10048003
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	INVESTORS TITLE AGENCY INC, INVESTORS TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$579.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 RIVER DR GRANITE FALLS NC 286309341, GRANITE FALLS, NC 28630-9341

Mortgage

Document Number	10048004
Date	Sep 8, 2020
Book Page	001997/001955
Instrument	10048004

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	18 RIVER DR, GRANITE FALLS, NC 28630-9341
Document Number	0010041440
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2069 DYSARTSVILLE RD NEBO NC 287611300, NEBO, NC 28761-1300

Mortgage

Document Number	0010041440
Date	Feb 20, 2020
Book Page	001982/000037
Instrument	10041440

Lender

Name	CAROLINA TR BK
Type	Bank
Address	HICKORY, NC 28601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Nov 22, 2019
Property Address	18 RIVER DR, GRANITE FALLS, NC 28630-9341
Document Number	0010038855
Book / Page	001976 / 000730
Instrument Date	Nov 22, 2019
Instrument	10038855
Transaction Type	Transfer
Record Updated	Dec 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$268.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	18 RIVER DR GRANITE FALLS NC 286309341, GRANITE FALLS, NC 28630-9341

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of July 22, 2025

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
2025	$2,567.00 (+68.99%)	$404,600 (+66.37%) Land $22,000 Building $382,600	$404,600 (+66.37%) Land $22,000 Building $382,600
2023		$243,200 (-) Land $22,000 Building $221,200	$243,200 (-) Land $22,000 Building $221,200
2022	$1,519.00	$243,200 Land $22,000 Building $221,200	$243,200 Land $22,000 Building $221,200

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
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	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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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