3108 Covington Way, Lenoir, NC 28645 Property Records

Caldwell County property record for 3108 Covington Way, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 2007
Lot Size	0.348 acres (15,159 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Dec 2018)
Tax Bill	$2,012 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03 70 3 2`

Property Details

APN / Parcel Number

Primary APN	`03 70 3 2`
Alternative APN	`165107`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Heated Area
Gross Area	2,504 sqft
1st Floor Area	1,664 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,159 sqft (0.348 acres)
Lot Dimensions	163 ft deep x 93 ft wide
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	165107
Street Address	3108 COVINGTON WAY
City	LENOIR
State	NC
Zip	28645-9719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1954 PG 460 YR 18 ST 398.00
Legal Subdivision	COVINGTON PLACE
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1002
Census Tract	30700

Owner

3108 Covington Way is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3108 COVINGTON WAY, LENOIR, NC 28645-9719
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM HM
Nov 22, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Dec 7, 2018	Warranty Deed, Transfer · VA Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on File
Deed Sale	Dec 7, 2018 · Amount on File
Prior Sale	Oct 2, 2007 · Amount on File
Deed Document Number	201810028436
Deed Book / Page	1954 / 460
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	3108 COVINGTON WAY, LENOIR, NC 28645-9719
Document Number	0010047245
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3108 COVINGTON WAY LENOIR NC 286459719, LENOIR, NC 28645-9719

Mortgage

Document Number	0010047245
Date	Aug 17, 2020
Book Page	001996/000303
Instrument	10047245

Lender

Name	FREEDOM HM
Type	Construction/Development Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	3108 COVINGTON WAY, LENOIR, NC 28645-9719
Document Number	0010038996
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 COVINGTON WAY LENOIR NC 286459719, LENOIR, NC 28645-9719

Mortgage

Document Number	0010038996
Date	Nov 27, 2019
Book Page	001976/001525
Instrument	10038996

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Dec 7, 2018
Property Address	3108 COVINGTON WAY, LENOIR, NC 28645-9719
Document Number	0010028436
Book / Page	001954 / 000460
Instrument Date	Dec 3, 2018
Instrument	10028436
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$398.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3108 COVINGTON WAY LENOIR NC 286459719, LENOIR, NC 28645-9719

Mortgage

Document Number	10028437
Date	Dec 7, 2018
Book Page	001954/000462
Instrument	10028437

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3108 Covington Way was $2,012, down 20.1% 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	Cajah's Mountain Town
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,012.00 (-20.13%)	$309,400 (-0.06%) Land $13,800 Building $295,600
2025	$2,519.00	$309,600 Land $13,800 Building $295,800	$309,400 Land $13,800 Building $295,600
2023		$188,300 (-) Land $13,800 Building $174,500	$188,300 (-) Land $13,800 Building $174,500
2022	$1,471.00	$188,300 Land $13,800 Building $174,500	$188,300 Land $13,800 Building $174,500

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

Flood

FEMA maps place 3108 Covington Way in Zone X, an area of minimal flood risk.

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

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 3108 Covington Way 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	BATON WATER CORPORATION private · serves 7,874 people · EPA ID NC0114025
Water Source	Purchased surface water from CITY OF LENOIR
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) 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 63 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Ripple Fiber.

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