2265 Garnes Pl, Lenoir, NC 28645 Property Records

Caldwell County property record for 2265 Garnes Pl, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1988
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on Record
Tax Bill	$1,524 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03109 1 51`

Property Details

APN / Parcel Number

Primary APN	`03109 1 51`
Alternative APN	`43756`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,470 sqft Heated Area
Gross Area	3,996 sqft
1st Floor Area	1,470 sqft
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	26,572 sqft (0.61 acres)
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	165 sqft
Deck Area	315 sqft
Patio Area	315 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	43756
Street Address	2265 GARNES PL
City	LENOIR
State	NC
Zip	28645-8016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0939/0927 1987 0.00
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1027
Census Tract	31202

Owner

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	Individual Name on Record
Mailing Address	2265 GARNES PL, LENOIR, NC 28645-8016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 6, 2018	Deed of Trust, Mortgage · Line of Credit HOMESIDE FIN'L
Oct 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	2265 GARNES PL, LENOIR, NC 28645-8016
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2265 GARNES PL, LENOIR, NC 28645-8016

Mortgage

Document Number	0020770307
Date	Feb 21, 2023
Book Page	2077/307
Instrument	10081512

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	2265 GARNES PL, LENOIR, NC 28645-8016
Document Number	0010026835
Instrument Date	Oct 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	MEYMAX TITLE AGENCY/OH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2265 GARNES PL LENOIR NC 286458016, LENOIR, NC 28645-8016

Mortgage

Document Number	0010026835
Date	Oct 12, 2018
Book Page	001950/001658
Instrument	10026835

Lender

Name	HOMESIDE FIN'L
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 11, 2038

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	2265 GARNES PL, LENOIR, NC 28645-8016
Document Number	0010026834
Instrument Date	Oct 6, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018
Title Company	MEYMAX TITLE AGENCY/OH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2265 GARNES PL LENOIR NC 286458016, LENOIR, NC 28645-8016

Mortgage

Document Number	0010026834
Date	Oct 12, 2018
Book Page	001950/001648
Instrument	10026834

Lender

Name	HOMESIDE FIN'L
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2048

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,524.00 (-4.39%)	$236,100 (-) Land $10,100 Building $226,000
2025	$1,594.00 (+35.08%)	$236,100 (+63.28%) Land $10,100 Building $226,000	$236,100 (+63.28%) Land $10,100 Building $226,000
2023		$144,600 (-) Land $9,400 Building $135,200	$144,600 (-) Land $9,400 Building $135,200
2022	$1,180.00	$144,600 Land $9,400 Building $135,200	$144,600 Land $9,400 Building $135,200

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

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.

Wildfire

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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Garnes Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures