3604 River Watch Ln, Franklinton, NC 27525 Property Records

Granville County property record for 3604 River Watch Ln, Franklinton, NC 27525

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,649 sqft · built 2021
Lot Size	0.84 acres (36,592 sqft)
Owner	Individual Name on File
Last Sale	$537,000 (May 2022)
Tax Bill	$4,120 (2025)
Deeds & Mortgages	Nov 2022 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`182500559023`

Property Details

APN / Parcel Number

Primary APN	`182500559023`
Alternative APNs	`182500 615` `88933302` `1080423`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,649 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,592 sqft (0.84 acres)
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1080423
Street Address	3604 RIVER WATCH LN
City	FRANKLINTON
State	NC
Zip	27525-7051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 180 OAKS AT IRONWOOD
Legal Subdivision	OAKS AT IRONWOOD PHASE 2B
Legal Lot Number	180
Jurisdiction	GRANVILLE NC
Township / Civil Division	BRASSFIELD
Census Block Group	2
Census Block	2003
Census Tract	970605

Owner

3604 River Watch Ln is owned and occupied by an individual who bought it in May 2022.

Source: Granville County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3604 RIVER WATCH LN, FRANKLINTON, NC 27525-7051
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
May 27, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NORTH STATE BANK
Jul 15, 2021	Warranty Deed, Construction Loan · Construction Mortgage UBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Prior Sale	Jul 15, 2021 · Amount on File
Deed Book / Page	1905 / 207
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3604 RIVER WATCH LN, FRANKLINTON, NC 27525-7051
Transaction Type	Mortgage
Record Updated	Nov 30, 2022
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 RIVER WATCH LN, FRANKLINTON, NC 27525-7051

Mortgage

Document Number	0001929/14
Date	Nov 16, 2022
Book Page	1929/14

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	May 27, 2022
Property Address	3604 RIVER WATCH LN, FRANKLINTON, NC 27525-7051
Document Number	001905/207
Book / Page	1905 / 207
Map Reference	MB 45 PG 112-113
Instrument Date	May 18, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,074.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1011, YOUNGSVILLE, NC 27596-1011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 RIVER WATCH LN, FRANKLINTON, NC 27525-7051

Mortgage

Document Number	0001905209
Date	May 27, 2022
Instrument	1905/209

Lender

Name	NORTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

July 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Jul 15, 2021
Property Address	3604 RIVER WATCH LN, FRANKLINTON, NC 27525-7051
Document Number	001851/582
Book / Page	1851 / 582
Map Reference	MB 45 PG 112
Instrument Date	Jun 8, 2021
Transaction Type	Construction Loan
Record Updated	Nov 21, 2022

Transaction

Amount	Amount on Record
Tax	$100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10931 STRICKLAND RD STE 111, 10931, RALEIGH, NC 27615-2085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 FLAT ROCK CHURCH RD, LOUISBURG, NC 27549-9176
Investor	Possibly a Property Investor

Mortgage

Document Number	0001851584
Date	Jul 15, 2021
Instrument	1851/584

Lender

Name	UBANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 14, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 3604 River Watch Ln was $4,120.

Source: Granville County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Granville County
Unified School District	Granville County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$582,116 (-) Land $100,000 Building $482,116
2025	$4,120.00	$582,116 Land $100,000 Building $482,116	$582,116 (-) Land $100,000 Building $482,116
2024			$582,116 (+78.19%) Land $100,000 Building $482,116
2023	$2,913.00 (+111.85%)	$326,686 (+111.86%) Land $55,000 Building $271,686	$326,686 (+111.86%) Land $55,000 Building $271,686
2022	$1,375.00	$154,201 Land $55,000 Building $99,201	$154,201 Land $55,000 Building $99,201

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

Flood

FEMA maps place 3604 River Watch Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

Wildfire risk around 3604 River Watch Ln is low, with a 0.02% annual chance of 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	0.02% 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 69 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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