3828 Granite St, Terrell, NC 28682 Property Records

Catawba County property record for 3828 Granite St, Terrell, NC 28682

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,477 sqft · built 2003
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (May 2024)
Tax Bill	$2,316 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4617-14-44-9569`

Property Details

APN / Parcel Number

Primary APN	`4617-14-44-9569`
Alternative APN	`0801903`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,477 sqft Living Area
1st Floor Area	2,528 sqft
Basement Area	1,931 sqft
Finished Basement	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	56,628 sqft (1.3 acres)
Lot Dimensions	411 ft deep x 151 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	105 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3828 GRANITE ST
City	TERRELL
State	NC
Zip	28682-8001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-30
Legal Description	LOT 14 PLAT 52-198
Legal Subdivision	SOMERSET ON LAKE NORMAN PH 2
Legal Lot Number	14
Jurisdiction	CATAWBA NC
Township / Civil Division	MOUNTAIN CREEK
Census Block Group	2
Census Block	2008
Census Tract	11505

Owner

Source: Catawba County records, as of August 18, 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	3828 GRANITE ST, TERRELL, NC 28682-8001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 8, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage JANE PHILLIPS
Dec 6, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	Mar 8, 2024 · Amount on Record
Deed Document Number	20247582
Deed Book / Page	3869 / 655
Prior Transfer Date	Jun 21, 2005
Prior Transfer Doc	0026831021
Record Updated	Sep 20, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	May 2, 2024
Property Address	3828 GRANITE ST, TERRELL, NC 28682-8001
Document Number	0038690655
Book / Page	3869 / 655
Map Reference	MB 52 PG 198
Instrument Date	Apr 30, 2024
Instrument	7582
Transaction Type	Transfer
Record Updated	May 15, 2024
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 26401, RALEIGH, NC 27611-6401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3828 GRANITE STREET, RALEIGH, NC 27611

Mortgage

Document Number	0000007583
Date	May 2, 2024
Instrument	7583

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Mar 8, 2024
Property Address	3828 GRANITE ST, TERRELL, NC 28682-8001
Document Number	0038591498
Book / Page	3859 / 1498
Map Reference	MB 52 PG 198
Instrument Date	Mar 7, 2024
Instrument	4069
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	INVESTORS TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7887 MOUNTAIN SHORE DR, SHERRILLS FORD, NC 28673-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 26401, RALEIGH, NC 27611-6401

Mortgage

Document Number	0000004070
Date	Mar 8, 2024
Instrument	4070

Lender

Name	JANE PHILLIPS
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Sep 7, 2024

Mortgage

Document Number	0038591504
Date	Mar 8, 2024
Book Page	3859/1504
Instrument	4071

Lender

Name	ADAM WARD
Type	Private Party
Address	201 PARK AT NORTH HILLS ST, RALEIGH, NC 27609

Agreement

Amount	Amount Recorded
Term	6 Months
Due	Sep 7, 2024

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CATAWBA NC
Property Address	3828 GRANITE ST, TERRELL, NC 28682-8001
Document Number	0034351331
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3828 GRANITE ST TERRELL NC 286828001, TERRELL, NC 28682-8001

Mortgage

Document Number	0034351331
Date	Jan 16, 2018
Book Page	003435/001331
Instrument	723

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	468 Months
Due	Jan 15, 2057

Interest

Rate	4%

Tax Assessment & Valuation

Source: Catawba County assessment roll, as of August 3, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$581,200 (-) Land $43,800 Building $537,400
2025	$2,316.00 (-18.31%)	$581,200 (+40.42%) Land $43,800 Building $537,400
2024	$2,835.00 (+2.05%)
2023	$2,778.00	$413,900 Land $43,800 Building $370,100	$581,200 Land $43,800 Building $537,400

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 September 1, 2026 · 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

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	None beyond ember reach

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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