2735 Willowbrook Rd, Lenoir, NC 28645 Property Records

Caldwell County property record for 2735 Willowbrook Rd, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,464 sqft · built 2014
Lot Size	8.67 acres (377,665 sqft)
Owner	2 Individual Names on Record
Last Sale	$16,500 (Nov 1997)
Tax Bill	$4,050 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09 72 1 48`

Property Details

APN / Parcel Number

Primary APN	`09 72 1 48`
Alternative APN	`156117`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,464 sqft Heated Area
Gross Area	5,075 sqft
1st Floor Area	2,464 sqft
Basement Area	1,884 sqft
Unfinished Basement	1,884 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	377,665 sqft (8.67 acres)
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	151 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	156117
Street Address	2735 WILLOWBROOK RD
City	LENOIR
State	NC
Zip	28645-9140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1860 PG 1101 YR 2014 ST 620.00
Legal Subdivision	PHILLIP B & JAMIE H WHITE
Jurisdiction	CALDWELL NC
Township / Civil Division	LOWER CREEK
Census Block Group	2
Census Block	2015
Census Tract	31100

Owner

Source: Caldwell County records, as of August 7, 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	2735 WILLOWBROOK RD, LENOIR, NC 28645-9140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Dec 26, 2020	Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 1997 · Amount on Record
Deed Sale	Nov 1, 1997 · Amount on Record
Deed Book / Page	1206 / 1435
Last Transfer Date	Apr 4, 2023
Transfer Doc	0010083048
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	2735 WILLOWBROOK RD, LENOIR, NC 28645-9140
Transaction Type	Mortgage
Record Updated	Mar 29, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020740292
Date	Jan 3, 2023
Book Page	2074/292
Instrument	10080093

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Type Change Date	Jan 2, 2028
Change Frequency	Annually
Min Rate At Change	4.49%
Max Rate At Change	8.49%
Index	Prime Rate
Margin	1
Max Rate	12.4%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	2735 WILLOWBROOK RD, LENOIR, NC 28645-9140
Document Number	0010052416
Instrument Date	Dec 26, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2735 WILLOWBROOK RD LENOIR NC 286459140, LENOIR, NC 28645-9140

Mortgage

Document Number	0010052416
Date	Jan 11, 2021
Book Page	002008/001677
Instrument	10052416

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.79%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	2735 WILLOWBROOK RD, LENOIR, NC 28645-9140
Document Number	0010049227
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2735 WILLOWBROOK RD LENOIR NC 286459140, LENOIR, NC 28645-9140

Mortgage

Document Number	0010049227
Date	Oct 13, 2020
Book Page	002001/000048
Instrument	10049227

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

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

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		$622,100 (-) Land $83,300 Building $538,800
2025	$4,050.00 (+35.59%)	$622,100 (+52.59%) Land $83,300 Building $538,800	$622,100 (+52.59%) Land $83,300 Building $538,800
2023		$407,700 (+1.09%) Land $70,700 Building $337,000	$407,700 (+1.09%) Land $70,700 Building $337,000
2022	$2,987.00	$403,300 Land $70,700 Building $332,600	$403,300 Land $70,700 Building $332,600

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Carolina West Wireless Fixed Wireless	25 / 3

May also be available: AT&T, Verizon.

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