Caldwell County property record for 314 Rustic Pl SW, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,396 sqft · built 1979 |
| Lot Size | 0.331 acres (14,440 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $769 (2026) |
| Deeds & Mortgages | Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06 62 1 28 |
| Primary APN | 06 62 1 28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,396 sqft Heated Area |
| Gross Area | 1,400 sqft |
| 1st Floor Area | 1,396 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,440 sqft (0.331 acres) |
| Lot Dimensions | 190 ft deep x 76 ft wide |
| Porch | Slab |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 53965 |
|---|---|
| Street Address | 314 RUSTIC PL SW |
| City | LENOIR |
| State | NC |
| Zip | 28645-6137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0987/0021 1989 4.00 |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LENOIR |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 30300 |
Source: Caldwell County records, as of October 20, 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 | 314 RUSTIC PL SW, LENOIR, NC 28645-6137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 314 RUSTIC PL SW, LENOIR, NC 28645-6137 |
| Document Number | 0010045579 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 314 RUSTIC PL SW LENOIR NC 286456137, LENOIR, NC 28645-6137 |
| Document Number | 0010045579 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 001992/000341 |
| Instrument | 10045579 |
| Name | TRUIST BK |
|---|---|
| Address | DURHAM, NC 27701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Lenoir City |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $769.00 (-6.11%) | $161,100 (-) Land $8,400 Building $152,700 | |
| 2025 | $819.00 (-3.99%) | $161,100 (+101.38%) Land $8,400 Building $152,700 | $161,100 (+101.38%) Land $8,400 Building $152,700 |
| 2023 | $80,000 (+14.45%) Land $8,400 Building $71,600 | $80,000 (+14.45%) Land $8,400 Building $71,600 | |
| 2022 | $853.00 | $69,900 Land $8,400 Building $61,500 | $69,900 Land $8,400 Building $61,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 in force |
| Nearby Flood Claims | 4 (1990–2020) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Feb 2020 · rainfall accumulation |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LENOIR serves 26,388 people · EPA ID NC0114010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2021 |
|---|---|
| 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 131 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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