Caldwell County property record for 20 Laurel St, Granite Falls, NC 28630
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,081 sqft · built 1973 |
| Lot Size | 0.698 acres (30,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $107,000 (May 2003) |
| Tax Bill | $1,045 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 22A 1 12 |
| Primary APN | 08 22A 1 12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,081 sqft Heated Area |
| Gross Area | 2,962 sqft |
| 1st Floor Area | 1,081 sqft |
| Basement Area | 1,081 sqft |
| Unfinished Basement | 1,081 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,420 sqft (0.698 acres) |
| Lot Dimensions | 156 ft deep x 195 ft wide |
| Garage Type | Finished |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 162 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 119886 |
|---|---|
| Street Address | 20 LAUREL ST |
| City | GRANITE FALLS |
| State | NC |
| Zip | 28630-1710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1447 PG 1196 YR 03 ST 214.00 |
| Legal Subdivision | GRANDVIEW PARK |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 31402 |
Source: Caldwell County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20 LAUREL ST, GRANITE FALLS, NC 28630-1710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2022 | Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB |
| Jan 18, 2019 | Deed of Trust, Mortgage PACIFIC HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2003 · Amount on Record |
| Deed Sale | May 15, 2003 · Amount on Record |
| Prior Sale | Jan 1, 1994 |
| Deed Book / Page | 1447 / 1196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 20 LAUREL ST, GRANITE FALLS, NC 28630-1710 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020542114 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 2054/2114 |
| Instrument | 10071601 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 20 LAUREL ST, GRANITE FALLS, NC 28630-1710 |
| Document Number | 0010029931 |
| Instrument Date | Jan 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2019 |
| Title Company | OIG TITLE AND ESCROW, OIG TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 LAUREL ST GRANITE FALLS NC 286301710, GRANITE FALLS, NC 28630-1710 |
| Document Number | 0010029931 |
|---|---|
| Date | Feb 4, 2019 |
| Book Page | 001957/000330 |
| Instrument | 10029931 |
| Name | PACIFIC HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | 18301 VON KARMAN AVE # 350, IRVINE, CA 92612-0114 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 3, 2049 |
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Granite Falls Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,045.00 (-6.28%) | $219,400 (-) Land $21,100 Building $198,300 | |
| 2025 | $1,115.00 (+55.94%) | $219,400 (+96.24%) Land $21,100 Building $198,300 | $219,400 (+96.24%) Land $21,100 Building $198,300 |
| 2023 | $111,800 (-) Land $21,100 Building $90,700 | $111,800 (-) Land $21,100 Building $90,700 | |
| 2022 | $715.00 | $111,800 Land $21,100 Building $90,700 | $111,800 Land $21,100 Building $90,700 |
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
| 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.
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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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