Caldwell County property record for 3165 Covington Way, Lenoir, NC 28645 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2005 |
| Square Footage | 1,536 sqft Heated Area |
| Lot Size | 24,738 sqft (0.568 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $193,500 (2020) |
| Tax Bill | $2,412.00 (2025) |
Source: Caldwell County records · APN 11 35 1 5Z
Assessment roll updated July 22, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 3165 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 11, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jun 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jan 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) CERTAINTY HM LNS LLC |
| Jan 03, 2020 | Warranty Deed, Transfer CERTAINTY HM LNS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 03, 2020 · Amount on Record |
| Deed Sale | Jan 03, 2020 · Amount on Record |
| Deed Doc Number | 202010040026 |
| Deed Book / Page | 1979 / 360 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 3165 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Transaction Type | Mortgage |
| Record Updated | Oct 02, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 3165 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Document Number | 0021420245 |
|---|---|
| Date | Aug 11, 2025 |
| Book Page | 2142/245 |
| Instrument | 10109649 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jun 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 3165 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2022 |
| Title Company | INSPIRE CLOSINGS SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0020590861 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 2059/861 |
| Instrument | 10073507 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 3165 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Document Number | 0010040027 |
| Instrument Date | Jan 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3165 COVINGTON WAY LENOIR NC 286459719, LENOIR, NC 28645-9719 |
| Document Number | 0010040027 |
|---|---|
| Date | Jan 03, 2020 |
| Book Page | 001979/000363 |
| Instrument | 10040027 |
| Name | CERTAINTY HM LNS LLC |
|---|---|
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 02, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Jan 03, 2020 |
| Property Address | 3165 COVINGTON WAY, LENOIR, NC 28645-9719 |
| Document Number | 0010040026 |
| Book / Page | 001979 / 000360 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 10040026 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $387.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3165 COVINGTON WAY LENOIR NC 286459719, LENOIR, NC 28645-9719 |
| Document Number | 10040027 |
|---|---|
| Date | Jan 03, 2020 |
| Book Page | 001979/000363 |
| Instrument | 10040027 |
| Name | CERTAINTY HM LNS LLC |
|---|---|
| Address | PLANO, TX 75024 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 02, 2050 |
Source: Caldwell County records · Assessment roll updated July 22, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Cajah's Mountain Town |
| Unified School District | Caldwell County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,412.00 (+67.85%) | $296,300 (+61.21%) Land $17,900 Building $278,400 | $296,300 (+61.21%) Land $17,900 Building $278,400 |
| 2023 | $183,800 (-) Land $17,900 Building $165,900 | $183,800 (-) Land $17,900 Building $165,900 | |
| 2022 | $1,437.00 | $183,800 Land $17,900 Building $165,900 | $183,800 Land $17,900 Building $165,900 |
Source: FEMA National Flood Hazard Layer, Caldwell County (37027C), updated January 22, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 11 35 1 5Z |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,536 sqft Heated Area |
| Gross Area | 3,452 sqft Gross Area |
| 1st Floor | 1,536 sqft 1st Floor |
| Basement Area | 1,536 sqft Basement |
| Unfinished Basement | 1,536 sqft Unfinished |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 24,738 sqft (0.568 acres) |
| Depth X Width | 217 ft x 114 ft Depth x Width |
| Deck Area | 200 sqft Deck |
| Patio Area | 200 sqft Patio |
| Porch Area | 180 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 167900 |
|---|---|
| Street Address | 3165 COVINGTON WAY |
| City | LENOIR |
| State | NC |
| Zip | 28645-9719 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BK 1979 PG 360 YR 20 ST 387.00 |
| Legal Subdivision | COVINGTON PLACE |
| Jurisdiction | CALDWELL NC |
| Minor Civil Division | HUDSON |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 30700 |
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