Catawba County property record for 3875 Granite St, Terrell, NC 28682 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,869 sqft Living Area |
| Lot Size | 30,056 sqft (0.69 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $435,000 (2020) |
| Tax Bill | $2,250.00 (2025) |
| Primary APN | 4617-14-44-8038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Building Area | 2,869 sqft Living Area |
| 1st Floor | 3,052 sqft 1st Floor |
| Upper Floors | 1,145 sqft Upper Floors |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 30,056 sqft (0.69 acres) |
| Depth X Width | 322 ft x 97 ft Depth x Width |
| Parking Spaces | 4 Parking Spaces |
| Garage Area | 936 sqft Garage |
| Patio Area | 427 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 228 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Street Address | 3875 GRANITE ST |
|---|---|
| City | TERRELL |
| State | NC |
| Zip | 28682-8001 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 23 PL 52-198 |
| Legal Subdivision | SOMERSET ON LAKE NORMAN PH 2 |
| Legal Lot Number | 23 |
| Jurisdiction | CATAWBA NC |
| Minor Civil Division | MOUNTAIN CREEK |
| Census Blockgroup | 2 |
| Census Block | 2008 |
| Census Tract | 11505 |
Source: Catawba County records · APN 4617-14-44-8038
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 | 3875 GRANITE ST, TERRELL, NC 28682-8001 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Jul 08, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Aug 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 18, 2020 · Amount on Record |
| Deed Sale | Aug 18, 2020 · Amount on Record |
| Prior Sale | Aug 21, 2006 · Amount on Record |
| Deed Doc Number | 202016378 |
| Deed Book / Page | 3593 / 179 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATAWBA NC |
| Property Address | 3875 GRANITE ST, TERRELL, NC 28682-8001 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2026 |
| Title Company | UNKNOWN, TITLE365 COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3875 GRANITE ST, TERRELL, NC 28682-8001 |
| Document Number | 0039890727 |
|---|---|
| Date | Dec 19, 2025 |
| Book Page | 3989/727 |
| Instrument | 25103 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 22, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.34% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 22, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4.34% |
| Max Rate At Change | 8.34% |
| Index | Prime Rate |
| Max Rate | 12.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATAWBA NC |
| Property Address | 3875 GRANITE ST, TERRELL, NC 28682-8001 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 3875 GRANITE ST, TERRELL, NC 28682-8001 |
| Document Number | 0037551789 |
|---|---|
| Date | Jul 08, 2022 |
| Book Page | 3755/1789 |
| Instrument | 15270 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATAWBA NC |
| Recording Date | Aug 18, 2020 |
| Property Address | 3875 GRANITE ST, TERRELL, NC 28682-8001 |
| Document Number | 0035930179 |
| Book / Page | 3593 / 179 |
| Map Reference | MB 52 PG 198 |
| Instrument Date | Aug 18, 2020 |
| Instrument | 16378 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | TITLE COMPANY OF NC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $870.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 233 ELROSA RD, 233, MOORESVILLE, NC 28115-5812 |
| Name | Verified Name |
|---|---|
| Address | 5875 GRANITE STREET, TERRELL, NC 28682 |
| Document Number | 16379 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 16379 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Catawba County records · Assessment roll updated August 3, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Catawba County |
| Unified School District | Catawba County Schools (PK - 12) |
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 | $564,600 (-) Land $35,100 Building $529,500 | ||
| 2025 | $2,250.00 (-19.06%) | $564,600 (+44.33%) Land $35,100 Building $529,500 | |
| 2024 | $2,780.00 (+2.06%) | ||
| 2023 | $2,724.00 | $391,200 Land $35,100 Building $356,100 | $564,600 Land $35,100 Building $529,500 |
Source: FEMA National Flood Hazard Layer, Catawba County (37035C), updated September 1, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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