Caldwell County property record for 3495 River Rock Ln, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 920 sqft · built 1997 |
| Lot Size | 10 acres (438,649 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $18,500 (Dec 1996) |
| Tax Bill | $1,425 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04 9W127 16M |
| Primary APN | 04 9W127 16M |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 920 sqft Heated Area |
| Gross Area | 2,112 sqft |
| 1st Floor Area | 920 sqft |
| Basement Area | 920 sqft |
| Unfinished Basement | 920 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 438,649 sqft (10 acres) |
| Garage Type | Mixed |
| Garage Area | 1 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | 32 sqft |
| Patio Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 175958 |
|---|---|
| Street Address | 3495 RIVER ROCK LN |
| City | LENOIR |
| State | NC |
| Zip | 28645-3975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2068 PG 1002 YR 2022 ST 0.00 |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | JOHNS RIVER |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 30900 |
Source: Caldwell County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3495 RIVER ROCK LN, LENOIR, NC 28645-3975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 1996 · Amount on Record |
| Deed Sale | Dec 1, 1996 · Amount on Record |
| Deed Book / Page | 1178 / 353 |
| Last Transfer Date | Sep 28, 2022 |
| Transfer Doc | 0010077593 |
| Record Updated | Oct 29, 2026 |
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,425.00 (-4.81%) | $231,800 (-) Land $46,100 Building $185,700 | |
| 2025 | $1,497.00 (+31.2%) | $231,800 (+56.09%) Land $46,100 Building $185,700 | $231,800 (+56.09%) Land $46,100 Building $185,700 |
| 2023 | $148,500 (-) Land $42,500 Building $106,000 | $148,500 (-) Land $42,500 Building $106,000 | |
| 2022 | $1,141.00 | $148,500 Land $42,500 Building $106,000 | $148,500 Land $42,500 Building $106,000 |
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 19 (1994–2024) |
| Claims Outside the SFHA | 5 of 19 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 | 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 |
| 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
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