28 Montclair Ave, Granite Falls, NC 28630 Property Records

Caldwell County property record for 28 Montclair Ave, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,780 sqft · built 2000
Lot Size	0.43 acres (18,750 sqft)
Owner	Individual Name on File
Tax Bill	$1,784 (2026)
Deeds & Mortgages	Feb 2026 Foreclosure Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08 47B 1 13`

Property Details

APN / Parcel Number

Primary APN	`08 47B 1 13`
Alternative APNs	`153315` `178960`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,780 sqft Heated Area
Gross Area	4,590 sqft
1st Floor Area	1,780 sqft
Basement Area	1,744 sqft
Unfinished Basement	1,744 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,750 sqft (0.43 acres)
Lot Dimensions	150 ft deep x 125 ft wide
Garage Type	Finished
Garage Area	850 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	188 sqft
Patio Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	153315
Street Address	28 MONTCLAIR AVE
City	GRANITE FALLS
State	NC
Zip	28630-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2096 PG 526 YR 2023 ST 0.00
Legal Subdivision	PROVIDENCE GLEN SUBDIVISION
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2011
Census Tract	31403

Owner

28 Montclair Ave is owned and occupied by an individual who acquired it in October 2023.

Source: Caldwell County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Public Action, Foreclosure
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 31, 2023	Intrafamily Transfer, Transfer
Sep 18, 2017	Deed of Trust, Mortgage · Line of Credit LOCAL GOV'T EMPS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 1999
Deed Sale	Jun 4, 1999
Prior Sale	Mar 31, 1999
Deed Book / Page	1265 / 1145
Last Transfer Date	Oct 30, 2023
Transfer Doc	0020960526
Record Updated	Oct 29, 2026

February 2026: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CALDWELL NC
Recording Date	Feb 23, 2026
Property Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102
Document Number	0021571194
Book / Page	2157 / 1194
Map Reference	MB 14 PG 188
Instrument Date	Feb 20, 2026
Instrument	10115994
Transaction Type	Foreclosure
Record Updated	Apr 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	UNKNOWN, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102

Mortgage

Document Number	0021540291
Date	Jan 5, 2026
Book Page	2154/291
Instrument	10114531

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALDWELL NC
Recording Date	Oct 31, 2023
Property Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102
Document Number	0020960526
Book / Page	2096 / 526
Map Reference	MB 14 PG 188
Instrument Date	Oct 30, 2023
Instrument	10089951
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	28 MONTCLAIR AVE, GRANITE FALLS, NC 28630-1102
Document Number	0010015378
Book / Page	001927 / 000709
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 MONTCLAIR AVE GRANITE FALLS NC 286301102, GRANITE FALLS, NC 28630-1102

Mortgage

Document Number	0010015378
Date	Sep 25, 2017
Book Page	001927/000709
Instrument	10015378

Lender

Name	LOCAL GOV'T EMPS FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 28 Montclair Ave was $1,784, down 6.1% from the year before.

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

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
2026	$1,784.00 (-6.11%)	$378,500 (-) Land $18,800 Building $359,700
2025	$1,900.00 (+30.76%)	$378,500 Land $18,800 Building $359,700	$378,500 Land $18,800 Building $359,700
2024	$1,453.00
2023		$227,900 (-) Land $10,500 Building $217,400	$227,900 (-) Land $10,500 Building $217,400
2022	$1,424.00	$227,900 Land $10,500 Building $217,400	$227,900 Land $10,500 Building $217,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28 Montclair Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · river or lake flooding

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

Wildfire risk around 28 Montclair Ave is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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