Caldwell County property record for 3131 Covington Way, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,472 sqft · built 2003 |
| Lot Size | 0.393 acres (17,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (May 2019) |
| Tax Bill | $1,765 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03 70 2 2S |
| Primary APN | 03 70 2 2S |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,472 sqft Heated Area |
| Gross Area | 2,318 sqft |
| 1st Floor Area | 1,472 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,100 sqft (0.393 acres) |
| Lot Dimensions | 150 ft deep x 114 ft wide |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 166048 |
|---|---|
| Street Address | 3131 COVINGTON WAY |
| City | LENOIR |
| State | NC |
| Zip | 28645-9719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1962 PG 464 YR 19 ST 360.00 |
| Legal Subdivision | COVINGTON PLACE |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | HUDSON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 30700 |
3131 Covington Way is owned and occupied by two individuals who bought it in May 2019.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3131 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.
| Date | Document |
|---|---|
| Oct 20, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jul 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 1, 2019 | Warranty Deed, Transfer ATLANTIC BAY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2019 · Amount on File |
| Deed Sale | May 1, 2019 · Amount on File |
| Prior Sale | Aug 25, 2003 · Amount on File |
| Deed Document Number | 201910032430 |
| Deed Book / Page | 1962 / 464 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 3131 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020951052 |
|---|---|
| Date | Oct 20, 2023 |
| Book Page | 2095/1052 |
| Instrument | 10089622 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 3131 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0020290099 |
|---|---|
| Date | Jul 30, 2021 |
| Book Page | 2029/99 |
| Instrument | 10060701 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | May 1, 2019 |
| Property Address | 3131 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Document Number | 0010032430 |
| Book / Page | 001962 / 000464 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 10032430 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3131 COVINTON WAY LENOIR NC 28645, LENOIR, NC 28645 |
| Document Number | 10032431 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 001962/000467 |
| Instrument | 10032431 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 30, 2049 |
The 2026 property tax bill for 3131 Covington Way was $1,765, down 2% from the year before.
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Cajah's Mountain Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,765.00 (-20.03%) | $271,000 (-) Land $16,000 Building $255,000 | |
| 2025 | $2,207.00 | $271,000 Land $16,000 Building $255,000 | $271,000 Land $16,000 Building $255,000 |
| 2023 | $162,200 (-) Land $16,000 Building $146,200 | $162,200 (-) Land $16,000 Building $146,200 | |
| 2022 | $1,270.00 | $162,200 Land $16,000 Building $146,200 | $162,200 Land $16,000 Building $146,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3131 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 risk around 3131 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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