3448 Valley Dr, Lenoir, NC 28645 Property Records

Caldwell County property record for 3448 Valley Dr, Lenoir, NC 28645

Property Summary

Property Type	Rural Home
Lot Size	10.3 acres (449,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,500 (Jun 2026)
Tax Bill	$335 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2025 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05 10 1 40`

Property Details

APN / Parcel Number

Primary APN	`05 10 1 40`
Alternative APNs	`131844` `177665` `186125`

Exterior

Lot Area	449,975 sqft (10.3 acres)
Shed	1 Shed
Storage Building	Storage Building

Location & Zoning

Account Number	186125
Street Address	3448 VALLEY DR
City	LENOIR
State	NC
Zip	28645
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BK 2084 PG 690 YR 23 ST 164.00
Jurisdiction	CALDWELL NC
Township / Civil Division	KINGS CREEK
Census Block Group	3
Census Block	3001
Census Tract	31100

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	2 Individual Names on Record
Mailing Address	313 RIDGE RD, MONROE, NC 28110-9475
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage AGSOUTH FARM CREDIT
Aug 25, 2025	Public Action, Foreclosure · Line of Credit AGSOUTH FARM CREDIT ACA
May 19, 2023	Warranty Deed, Transfer · Line of Credit AGSOUTH FARM CREDIT ACA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Aug 25, 2025 · Amount on Record
Deed Document Number	202610119399
Deed Book / Page	2166 / 664
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jun 1, 2026
Property Address	3448 VALLEY DR, LENOIR, NC 28645
Document Number	0010119399
Book / Page	2166 / 664
Instrument Date	Jun 1, 2026
Instrument	202610119399
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 RIDGE RD, MONROE, NC 28110-9475

Mortgage

Document Number	0010119399,
Date	Jun 1, 2026
Book Page	2166/668
Instrument	202610119399

Lender

Name	AGSOUTH FARM CREDIT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2025: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CALDWELL NC
Recording Date	Aug 25, 2025
Property Address	3448 VALLEY DR, LENOIR, NC 28645
Document Number	0021430559
Book / Page	2143 / 559
Instrument Date	Aug 15, 2025
Instrument	10110152
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	527 HAWTHORNE LN UNIT 7, 7, CHARLOTTE, NC 28204-2363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8351 CEDAR CIR, CONNELLY SPRINGS, NC 28612-7730

Mortgage

Document Number	0010110153
Date	Aug 25, 2025
Instrument	10110153

Lender

Name	AGSOUTH FARM CREDIT ACA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2045

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	May 19, 2023
Property Address	3448 VALLEY DR, LENOIR, NC 28645
Document Number	0020840690
Book / Page	2084 / 690
Instrument Date	May 16, 2023
Instrument	10084706
Transaction Type	Transfer
Record Updated	Aug 28, 2023
Title Company	MOREHEAD TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$164.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9676 MESQUITE ST, PHELAN, CA 92371-4500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 HAWTHORNE LN UNIT 7, 7, CHARLOTTE, NC 28204-2363

Mortgage

Document Number	0020840695
Date	May 19, 2023
Book Page	2084/695
Instrument	10084707

Lender

Name	AGSOUTH FARM CREDIT ACA
Type	Bank
Address	LENOIR, NC 28645

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2043

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	$335.00 (-21.36%)	$55,700 (-) Land $55,000 Building $700
2025	$426.00 (+18.99%)	$55,700 (+19.02%) Land $55,000 Building $700	$55,700 (+19.02%) Land $55,000 Building $700
2024	$358.00 (+9.48%)
2023		$46,800 (-) Land $46,100 Building $700	$46,800 (-) Land $46,100 Building $700
2022	$327.00	$46,800 Land $46,100 Building $700	$46,800 Land $46,100 Building $700

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	3 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Carolina West Wireless Fixed Wireless	25 / 3

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Valley Dr

Nearby Streets

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