Caldwell County property record for 23 Ashley St, Granite Falls, NC 28630
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,100 sqft · built 1989 |
| Lot Size | 0.212 acres (9,240 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $49,000 (Jan 1989) |
| Tax Bill | $924 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage Aug 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 19A 1 2 |
| Primary APN | 08 19A 1 2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,100 sqft Heated Area |
| Gross Area | 2,444 sqft |
| 1st Floor Area | 1,100 sqft |
| Basement Area | 1,100 sqft |
| Unfinished Basement | 1,100 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,240 sqft (0.212 acres) |
| Lot Dimensions | 84 ft deep x 110 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 103563 |
|---|---|
| Street Address | 23 ASHLEY ST |
| City | GRANITE FALLS |
| State | NC |
| Zip | 28630-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1206 PG 1360 YR 1997 |
| Legal Subdivision | ASHLEY SUBDIVISION |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 31402 |
23 Ashley St is owned and occupied by two individuals who bought it in January 1989.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 ASHLEY ST, GRANITE FALLS, NC 28630-1818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC |
| Aug 12, 2022 | Deed of Trust, Mortgage · FHA Mortgage CLICK N CLOSE INC |
| Feb 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage MID-AMERICAN MORTGAGE INC |
| Oct 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jun 20, 2017 | Loan Modification, Mortgage · FHA Mortgage MIDAMERICA MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1989 · Amount on File |
| Deed Sale | Jan 1, 1989 · Amount on File |
| Deed Book / Page | 998 / 600 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 23 ASHLEY ST, GRANITE FALLS, NC 28630-1818 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2024 |
| Title Company | NOT AVAILABLE, MIS |
| Name | Verified Name |
|---|
| Document Number | 0021020909 |
|---|---|
| Date | Feb 12, 2024 |
| Book Page | 2102/909 |
| Instrument | 10092793 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | 201 OLD COUNTRY RD STE 205, MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 23 ASHLEY ST, GRANITE FALLS, NC 28630-1818 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0020640008 |
|---|---|
| Date | Aug 12, 2022 |
| Book Page | 2064/8 |
| Instrument | 10075563 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 23 ASHLEY ST, GRANITE FALLS, NC 28630-1818 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 23 ASHLEY ST, GRANITE FALLS, NC 28630-1818 |
| Document Number | 0020470035 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 2047/35 |
| Instrument | 10068114 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 305 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 23 ASHLEY ST, GRANITE FALLS, NC 28630-1818 |
| Document Number | 0010050827 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 ASHLEY ST GRANITE FALLS NC 286301818, GRANITE FALLS, NC 28630-1818 |
| Document Number | 0010050827 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 002005/000005 |
| Instrument | 10050827 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Nov 23, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 23 ASHLEY ST, GRANITE FALLS, NC 28630-1818 |
| Document Number | 0019230988 |
| Book / Page | 001923 / 000988 |
| Instrument Date | Jun 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 ASHLEY ST GRANITE FALLS NC 286301818, GRANITE FALLS, NC 28630-1818 |
| Document Number | 0019230988 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 001923/000988 |
| Name | MIDAMERICA MTG |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501-2026 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 25, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
The 2026 property tax bill for 23 Ashley St was $924, down 6.6% from the year before.
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 | $924.00 (-6.57%) | $190,600 (-) Land $10,700 Building $179,900 | |
| 2025 | $989.00 | $190,600 Land $10,700 Building $179,900 | $190,600 Land $10,700 Building $179,900 |
| 2023 | $114,700 (-) Land $9,900 Building $104,800 | $114,700 (-) Land $9,900 Building $104,800 | |
| 2022 | $728.00 | $114,700 Land $9,900 Building $104,800 | $114,700 Land $9,900 Building $104,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Ashley St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2005) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2005 · other causes |
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 risk around 23 Ashley St is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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