3865 Granite St, Terrell, NC 28682 Property Records

Catawba County property record for 3865 Granite St, Terrell, NC 28682

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,894 sqft · built 2002
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Apr 2026)
Tax Bill	$2,147 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4617-14-44-7175`

Property Details

APN / Parcel Number

Primary APN	`4617-14-44-7175`
Alternative APN	`0801911`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,894 sqft Living Area
1st Floor Area	1,914 sqft
Upper Floors Area	718 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	340 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	448 sqft
Porch	Porch
Porch Area	12 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3865 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 22 PLAT 52-198
Legal Subdivision	SOMERSET ON LAKE NORMAN PH 2
Legal Lot Number	22
Jurisdiction	CATAWBA NC
Township / Civil Division	MOUNTAIN CREEK
Census Block Group	2
Census Block	2008
Census Tract	11505

Owner

Source: Catawba County records · APN 4617-14-44-7175

Assessment roll updated August 3, 2026 · Last verified August 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 File
Mailing Address	3865 GRANITE ST, TERRELL, NC 28682-8001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 01, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 06, 2025	Warranty Deed, Transfer OS NATIONAL LLC OD DIVISION
Aug 02, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 01, 2022	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Dec 20, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2026 · Amount on Record
Deed Sale	Apr 01, 2026 · Amount on Record
Prior Sale	Mar 06, 2025 · Amount on Record
Deed Document Number	20266241
Deed Book / Page	4010 / 528
Prior Transfer Date	Apr 03, 2013
Prior Transfer Doc	0031820986
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Apr 01, 2026
Property Address	3865 GRANITE ST, TERRELL, NC 28682-8001
Document Number	0000006241
Book / Page	4010 / 528
Instrument Date	Mar 30, 2026
Instrument	2026.6241
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$113,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3865 GRANITE ST, TERRELL, NC 28682-8001

Mortgage

Document Number	0040100531,
Date	Apr 01, 2026
Book Page	4010/531
Instrument	2026.6242

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Mar 06, 2025
Property Address	3865 GRANITE ST, TERRELL, NC 28682-8001
Document Number	0039271686
Book / Page	3927 / 1686
Map Reference	MB 52 PG 198
Instrument Date	Mar 06, 2025
Instrument	4390
Transaction Type	Transfer
Record Updated	Jul 01, 2026
Title Company	OS NATIONAL LLC OD DIVISION

Transaction

Amount	Amount Recorded
Tax	$1,182.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1052 ANDOVER FOREST DR, LEXINGTON, KY 40509-2001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	3865 GRANITE ST, TERRELL, NC 28682-8001
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034110708
Date	Aug 02, 2017
Book Page	03411/0708
Instrument	13240

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	3865 GRANITE ST, TERRELL, NC 28682-8001
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036280548
Date	Jan 20, 2021
Book Page	3628/548
Instrument	1316

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Mar 01, 2022
Property Address	3865 GRANITE ST, TERRELL, NC 28682-8001
Document Number	0037271111
Book / Page	3727 / 1111
Map Reference	MB 52 PG 198
Instrument Date	Feb 28, 2022
Instrument	4729
Transaction Type	Transfer
Record Updated	Jul 01, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,094.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3865 GRANITE ST, TERRELL, NC 28682-8001

Mortgage

Document Number	0000004730
Date	Mar 01, 2022
Instrument	4730

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Dec 20, 2021
Property Address	3865 GRANITE ST, TERRELL, NC 28682-8001
Document Number	0037120843
Book / Page	3712 / 843
Map Reference	MB 52 PG 198
Instrument Date	Dec 20, 2021
Instrument	31313
Transaction Type	Transfer
Record Updated	Jul 01, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$974.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8137 SHEFFIELD DRIVE, CHANDLER, AZ 85286

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Catawba County records · Assessment roll updated August 3, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$538,800 (+7.29%) Land $35,100 Building $503,700
2025	$2,147.00 (-13.18%)	$502,200 (+43.69%) Land $35,100 Building $467,100
2024	$2,473.00 (+2.06%)
2023	$2,423.00	$349,500 Land $35,100 Building $314,400	$538,800 Land $35,100 Building $503,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T.

Based on FCC filings for 122 locations within half a mile of this property.

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