20 River Dr, Granite Falls, NC 28630 Property Records

Caldwell County property record for 20 River Dr, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,248 sqft · built 1979
Lot Size	0.769 acres (33,507 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Nov 2020)
Tax Bill	$3,147 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08113A 1173`

Property Details

APN / Parcel Number

Primary APN	`08113A 1173`
Alternative APN	`170047`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,248 sqft Heated Area
Gross Area	4,358 sqft
1st Floor Area	1,208 sqft
Upper Floors Area	1,040 sqft
Basement Area	1,136 sqft
Finished Basement	800 sqft
Unfinished Basement	336 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,507 sqft (0.769 acres)
Lot Dimensions	153 ft deep x 219 ft wide
Garage Type	Finished
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	552 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	170047
Street Address	20 RIVER DR
City	GRANITE FALLS
State	NC
Zip	28630-9343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2004 PG 306 YR 20 ST 690.00
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 records, as of May 27, 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	20 RIVER DR, GRANITE FALLS, NC 28630-9343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2020 · Amount on Record
Deed Sale	Nov 13, 2020 · Amount on Record
Prior Sale	Aug 16, 2002 · Amount on Record
Deed Document Number	202010050480
Deed Book / Page	2004 / 306
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Nov 13, 2020
Property Address	20 RIVER DR, GRANITE FALLS, NC 28630-9343
Document Number	0010050480
Book / Page	002004 / 000306
Instrument Date	Nov 13, 2020
Instrument	10050480
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 RIVER DR GRANITE FALLS NC 286309343, GRANITE FALLS, NC 28630-9343

Mortgage

Document Number	10050481
Date	Nov 13, 2020
Book Page	002004/000308
Instrument	10050481

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

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	$3,147.00 (+68.2%)	$496,700 (+65.4%) Land $38,100 Building $458,600	$496,700 (+65.4%) Land $38,100 Building $458,600
2023		$300,300 (-) Land $38,100 Building $262,200	$300,300 (-) Land $38,100 Building $262,200
2022	$1,871.00	$300,300 Land $38,100 Building $262,200	$300,300 Land $38,100 Building $262,200

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

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 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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