Caldwell County property record for 2624 Spears Rd, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 770 sqft · built 1957 |
| Lot Size | 0.596 acres (25,962 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $168,000 (Mar 2026) |
| Tax Bill | $535 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Mar 2026 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06 47 2 44 |
| Primary APN | 06 47 2 44 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 770 sqft Heated Area |
| Gross Area | 1,015 sqft |
| 1st Floor Area | 770 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,962 sqft (0.596 acres) |
| Porch | Slab |
| Porch Area | 245 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 185414 |
|---|---|
| Street Address | 2624 SPEARS RD |
| City | LENOIR |
| State | NC |
| Zip | 28645-9748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1927 PG 121 YR 2017 ST 370.00 |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LENOIR |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 30200 |
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 | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Sep 28, 2023 | Deed of Trust, Mortgage · Stand-Alone First Mortgage 4M INVESTMENTS LLC |
| Mar 5, 2026 | Deed of Trust, Mortgage · Commercial Mortgage NEW VISION TRUST CFBO WESLEY MARK HUDSON |
| Mar 5, 2026 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Nov 17, 2025 | Warranty Deed, Construction Loan |
| Dec 11, 2019 | Deed of Trust, Mortgage · Line of Credit SKYLINE NAT'L BK |
| Sep 19, 2017 | Warranty Deed, Transfer · Line of Credit CAROLINA TR BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2026 · Amount on Record |
| Deed Sale | Mar 5, 2026 · Amount on Record |
| Prior Sale | Jul 10, 2023 |
| Deed Document Number | 202610116328 |
| Deed Book / Page | 2158 / 954 |
| Prior Transfer Date | Nov 17, 2025 |
| Prior Transfer Doc | 0010112993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2301 MORGANTON BLVD SW, LENOIR, NC 28645-5251 |
| Document Number | 0020932045 |
|---|---|
| Date | Sep 28, 2023 |
| Book Page | 2093/2045 |
| Instrument | 10088973 |
| Name | 4M INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | GRANITE FALLS, NC 28630 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 26 Months |
| Due | Nov 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 103, GRANITE FALLS, NC 28630-0103 |
| Document Number | 0021580977 |
|---|---|
| Date | Mar 5, 2026 |
| Book Page | 2158/977 |
| Instrument | 10116332 |
| Name | NEW VISION TRUST CFBO WESLEY MARK HUDSON |
|---|---|
| Type | Private Party |
| Address | 4434 FOWLER RD, GRANITE FALLS, NC 28630 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Apr 10, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Mar 5, 2026 |
| Property Address | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Document Number | 0021580954 |
| Book / Page | 2158 / 954 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 10116328 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 9, 2026 |
| Title Company | INVESTORS TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $336.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2301 MORGANTON BLVD SW, LENOIR, NC 28645-5251 |
| Name | Verified Name |
|---|---|
| Address | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Document Number | 0010116329 |
|---|---|
| Date | Mar 5, 2026 |
| Instrument | 10116329 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Number | 0021580970 |
|---|---|
| Date | Mar 5, 2026 |
| Book Page | 2158/970 |
| Instrument | 10116330 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 2160 SUPERIOR AVE, CLEVELAND, OH 44114 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Nov 17, 2025 |
| Property Address | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Document Number | 0021500249 |
| Book / Page | 2150 / 249 |
| Map Reference | MB 1927 PG 121 |
| Instrument Date | Nov 17, 2025 |
| Instrument | 10112992 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2301 MORGANTON BLVD SW, LENOIR, NC 28645-5251 |
| Name | Verified Name |
|---|---|
| Address | 2301 MORGANTON BLVD SW, LENOIR, NC 28645-5251 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Document Number | 0010039368 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2301 MORGANTON BLVD SW LENOIR NC 286455251, LENOIR, NC 28645-5251 |
| Document Number | 0010039368 |
|---|---|
| Date | Dec 11, 2019 |
| Book Page | 001977/001171 |
| Instrument | 10039368 |
| Name | SKYLINE NAT'L BK |
|---|---|
| Address | LENOIR, NC 28645 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Sep 19, 2017 |
| Property Address | 2624 SPEARS RD, LENOIR, NC 28645-9748 |
| Document Number | 0010015246 |
| Book / Page | 001927 / 000121 |
| Instrument Date | Sep 19, 2017 |
| Instrument | 10015246 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4690 CELIA CREEK RD LENOIR NC 286456705, LENOIR, NC 28645-6705 |
| Investor | Possibly a Property Investor |
| Document Number | 10015247 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 001927/000125 |
| Instrument | 10015247 |
| Name | CAROLINA TR BK |
|---|---|
| Type | Bank |
| Address | HICKORY, NC 28601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Gamewell Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $535.00 (-25.69%) | $86,700 (-6.17%) Land $9,200 Building $77,500 | |
| 2025 | $720.00 (+68.62%) | $92,400 (+71.43%) Land $14,900 Building $77,500 | $86,700 (+60.85%) Land $9,200 Building $77,500 |
| 2024 | $427.00 (+7.29%) | ||
| 2023 | $53,900 (-) Land $12,800 Building $41,100 | $53,900 (-) Land $12,800 Building $41,100 | |
| 2022 | $398.00 | $53,900 Land $12,800 Building $41,100 | $53,900 Land $12,800 Building $41,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 4 in force |
| Nearby Flood Claims | 3 (1979) |
| Most Recent Claim | Sep 1979 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALDWELL COUNTY WATER--WEST serves 8,763 people · EPA ID NC0114045 |
|---|---|
| Water Source | Purchased surface water from CITY OF LENOIR |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) 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 59 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 |
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