3 N Main St, Granite Falls, NC 28630 Property Records

Caldwell County property record for 3 N Main St, Granite Falls, NC 28630

Property Summary

Property Type	Commercial
Details	4 ba · 980 sqft · built 1903
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on File
Last Sale	$55,500 (Sep 2025)
Tax Bill	$196 (2026)
Deeds & Mortgages	Sep 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`08 5 3 20`

Property Details

APN / Parcel Number

Primary APN	`08 5 3 20`
Alternative APNs	`161416` `184205`

Interior

Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	980 sqft Heated Area
Gross Area	1,140 sqft
1st Floor Area	980 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Urethane Foam
Lot Area	2,000 sqft (0.046 acres)
Lot Dimensions	100 ft deep x 20 ft wide
Canopy	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	184205
Street Address	3 N MAIN ST
City	GRANITE FALLS
State	NC
Zip	28630-1401
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BK 1596 PG 1287 YR 06 BY WILL/DEATH
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2034
Census Tract	31403

Owner

3 N Main St, a commercial property, is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 N MAIN ST, GRANITE FALLS, NC 28630-1401
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Deed Document Number	202510111045
Deed Book / Page	2145 / 882
Prior Transfer Date	May 25, 2006
Prior Transfer Doc	0015961287
Record Updated	Oct 29, 2026

September 2025: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CALDWELL NC
Recording Date	Sep 18, 2025
Property Address	3 N MAIN ST, GRANITE FALLS, NC 28630-1401
Document Number	0021450882
Book / Page	2145 / 882
Instrument Date	Sep 18, 2025
Instrument	10111045
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 FALLS AVE, GRANITE FALLS, NC 28630-8641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 N MAIN ST, GRANITE FALLS, NC 28630-1401

Mortgage

Document Number	0010111046
Date	Sep 18, 2025
Instrument	10111046

Lender

Name	PENNY MULKEY
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	60 Months
Due	Sep 18, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 3 N Main St was $196, down 26% 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	$196.00 (-26.04%)	$42,000 (-) Land $6,600 Building $35,400
2025	$265.00 (+6.85%)	$42,000 Land $6,600 Building $35,400	$42,000 Land $6,600 Building $35,400
2024	$248.00
2023		$39,400 (-) Land $6,600 Building $32,800	$39,400 (-) Land $6,600 Building $32,800
2022	$243.00	$39,400 Land $6,600 Building $32,800	$39,400 Land $6,600 Building $32,800

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

Flood

FEMA maps place 3 N Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	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 3 N Main 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.

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 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