38 Meandering Way, Granite Falls, NC 28630 Property Records

Caldwell County property record for 38 Meandering Way, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,456 sqft · built 1979
Lot Size	0.365 acres (15,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jul 2023)
Tax Bill	$1,452 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08113A 1143`

Property Details

APN / Parcel Number

Primary APN	`08113A 1143`
Alternative APNs	`159362` `178010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,456 sqft Heated Area
Gross Area	3,158 sqft
1st Floor Area	1,456 sqft
Basement Area	1,238 sqft
Finished Basement	612 sqft
Unfinished Basement	626 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,904 sqft (0.365 acres)
Lot Dimensions	142 ft deep x 112 ft wide

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	178010
Street Address	38 MEANDERING WAY
City	GRANITE FALLS
State	NC
Zip	28630-9328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2087 PG 865 YR 23 ST 640.00
Legal Subdivision	GRANADA FARMS DEVELOPMENT
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2024
Census Tract	31301

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	38 MEANDERING WAY, GRANITE FALLS, NC 28630-9328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on Record
Deed Sale	Jul 3, 2023 · Amount on Record
Prior Sale	May 31, 2016 · Amount on Record
Deed Document Number	202310086044
Deed Book / Page	2087 / 865
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jul 3, 2023
Property Address	38 MEANDERING WAY, GRANITE FALLS, NC 28630-9328
Document Number	0020870865
Book / Page	2087 / 865
Map Reference	MB 9 PG 20
Instrument Date	Jun 30, 2023
Instrument	10086044
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 MEANDERING WAY, GRANITE FALLS, NC 28630-9328

Mortgage

Document Number	0010086045
Date	Jul 3, 2023
Instrument	10086045

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	38 MEANDERING WAY, GRANITE FALLS, NC 28630-9328
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020510469
Date	Mar 21, 2022
Book Page	2051/469
Instrument	10070003

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 8, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,452.00 (-25.69%)	$307,300 (-) Land $22,400 Building $284,900
2025	$1,954.00 (+75.56%)	$307,300 (+73.13%) Land $22,400 Building $284,900	$307,300 (+73.13%) Land $22,400 Building $284,900
2023		$177,500 (-) Land $22,400 Building $155,100	$177,500 (-) Land $22,400 Building $155,100
2022	$1,113.00	$177,500 Land $22,400 Building $155,100	$177,500 Land $22,400 Building $155,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2020 · Tropical Storm Eta

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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF GRANITE FALLS serves 7,318 people · EPA ID NC0114030
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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