20 Meandering Way, Granite Falls, NC 28630 Property Records

Caldwell County property record for 20 Meandering Way, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,016 sqft · built 1988
Lot Size	0.497 acres (21,659 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Aug 2026)
Tax Bill	$1,813 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08113A 1 83`

Property Details

APN / Parcel Number

Primary APN	`08113A 1 83`
Alternative APN	`168407`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,016 sqft Heated Area
Gross Area	3,678 sqft
1st Floor Area	1,200 sqft
Upper Floors Area	816 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,659 sqft (0.497 acres)
Lot Dimensions	121 ft deep x 179 ft wide

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	282 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	168407
Street Address	20 MEANDERING WAY
City	GRANITE FALLS
State	NC
Zip	28630-9325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1984 PG 472 YR 20 ST 444.00
Legal Subdivision	GRANADA FARMS DEVELOPMENT MAP NO 111
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2024
Census Tract	31301

Owner

20 Meandering Way is owned and occupied by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 MEANDERING WAY, GRANITE FALLS, NC 28630-9325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS/GA LLC
Aug 16, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES OF AMERICA
Mar 19, 2020	Warranty Deed, Transfer CERTAINTY HM LNS LLC
May 31, 2018	Grant Deed, Transfer MORTGAGE CONNECT LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Prior Sale	Mar 19, 2020 · Amount on File
Deed Document Number	202610121884
Deed Book / Page	2172 / 1137
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Aug 10, 2026
Property Address	20 MEANDERING WAY, GRANITE FALLS, NC 28630-9325
Document Number	0010121884
Book / Page	2172 / 1137
Instrument Date	Aug 10, 2026
Instrument	202610121884
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MEANDERING WAY, GRANITE FALLS, NC 28630-9325

Mortgage

Document Number	0010121885,
Date	Aug 10, 2026
Instrument	202610121885

Lender

Name	MORTGAGE SOLUTIONS/GA LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	20 MEANDERING WAY, GRANITE FALLS, NC 28630-9325
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MEANDERING WAY, GRANITE FALLS, NC 28630-9325

Mortgage

Document Number	0020640546
Date	Aug 16, 2022
Book Page	2064/546
Instrument	10075663

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2062

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Mar 19, 2020
Property Address	20 MEANDERING WAY, GRANITE FALLS, NC 28630-9325
Document Number	0010042414
Book / Page	001984 / 000472
Instrument Date	Mar 16, 2020
Instrument	10042414
Transaction Type	Transfer
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 MEANDERING WAY GRANITE FALLS NC 286309325, GRANITE FALLS, NC 28630-9325

Mortgage

Document Number	10042415
Date	Mar 19, 2020
Book Page	001984/000474
Instrument	10042415

Lender

Name	CERTAINTY HM LNS LLC
Address	PLANO, TX 75024

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALDWELL NC
Recording Date	May 31, 2018
Property Address	20 MEANDERING WAY, GRANITE FALLS, NC 28630-9325
Document Number	0010022731
Book / Page	001942 / 000821
Instrument Date	Apr 10, 2018
Instrument	10022731
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	MORTGAGE CONNECT LP

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MEANDERING WAY GRANITE FALLS NC 286309325, GRANITE FALLS, NC 28630-9325

Tax Assessment & Valuation

The 2026 property tax bill for 20 Meandering Way was $1,813, down 25.7% from the year before.

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	$1,813.00 (-25.73%)	$384,700 (-) Land $30,100 Building $354,600
2025	$2,441.00	$384,700 Land $30,100 Building $354,600	$384,700 Land $30,100 Building $354,600
2023		$217,200 (-) Land $30,100 Building $187,100	$217,200 (-) Land $30,100 Building $187,100
2022	$1,358.00	$217,200 Land $30,100 Building $187,100	$217,200 Land $30,100 Building $187,100

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

Flood

FEMA maps place 20 Meandering Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
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

Wildfire risk around 20 Meandering Way is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: Brightspeed, T-Mobile.

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