3173 Bear Trail Dr, Lenoir, NC 28645 Property Records

Caldwell County property record for 3173 Bear Trail Dr, Lenoir, NC 28645

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,512 sqft · built 2025
Lot Size	0.452 acres (19,673 sqft)
Owner	Individual Name on Record
Last Sale	$207,000 (Feb 2026)
Tax Bill	$1,191 (2026)
Deeds & Mortgages	Feb 2026 Foreclosure Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06 52 4 47`

Property Details

APN / Parcel Number

Primary APN	`06 52 4 47`
Alternative APNs	`169236` `179334` `185236`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Heated Area
Gross Area	1,582 sqft
1st Floor Area	1,512 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,673 sqft (0.452 acres)
Lot Dimensions	191 ft deep x 103 ft wide
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	185236
Street Address	3173 BEAR TRAIL DR
City	LENOIR
State	NC
Zip	28645-9628
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BK 2099 PG 1045 YR 23 ST 20.00
Legal Subdivision	LEE & TED RAINY
Jurisdiction	CALDWELL NC
Township / Civil Division	LENOIR
Census Block Group	2
Census Block	2008
Census Tract	30802

Owner

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	Individual Name on Record
Mailing Address	3173 BEAR TRAIL DR, LENOIR, NC 28645-9628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Public Action, Foreclosure · USDA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 30, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Dec 19, 2023 · Amount on Record
Deed Document Number	202610115640
Deed Book / Page	2156 / 1431
Record Updated	Oct 29, 2026

February 2026: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CALDWELL NC
Recording Date	Feb 12, 2026
Property Address	3173 BEAR TRAIL DR, LENOIR, NC 28645-9628
Document Number	0021561431
Book / Page	2156 / 1431
Map Reference	MB 18 PG 281
Instrument Date	Jan 20, 2026
Instrument	10115640
Transaction Type	Foreclosure
Record Updated	Apr 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$414.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 521, HUDSON, NC 28638-0521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3173 BEAR TRAIL DR, LENOIR, NC 28645-9628

Mortgage

Document Number	0010115641
Date	Feb 12, 2026
Instrument	10115641

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jul 30, 2020
Property Address	3173 BEAR TRAIL DR, LENOIR, NC 28645-9628
Document Number	0010046658
Book / Page	001994 / 001661
Instrument Date	Jul 30, 2020
Instrument	10046658
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3169 BEAR TRAIL DR LENOIR NC 286459628, LENOIR, NC 28645-9628

Mortgage

Document Number	10046659
Date	Jul 30, 2020
Book Page	001994/001663
Instrument	10046659

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	LENOIR, NC 28645

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 29, 2025

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,191.00 (+1,732.31%)	$195,900 (+2,204.71%) Land $11,400 Building $184,500
2025	$65.00 (+1.56%)	$8,500 (-) Land $8,500	$195,900 (+2,204.71%) Land $11,400 Building $184,500
2024	$64.00 (-31.91%)
2023		$8,500 (-) Land $8,500	$8,500 (-) Land $8,500
2022	$94.00	$8,500 Land $8,500	$8,500 Land $8,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Community Rating System	Class 9 (5% premium discount)
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

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	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CALDWELL COUNTY WATER--WEST serves 8,763 people · EPA ID NC0114045
Water Source	Purchased surface water from CITY OF LENOIR
Last State Inspection	May 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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