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3946 Granite St, Terrell, NC 28682 Property Records

Catawba County property record for 3946 Granite St, Terrell, NC 28682 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,577 sqft · built 2000
Lot Size0.71 acres (30,928 sqft)
Owner2 Individual Names on File
Last Sale$460,000 (May 2003)
Tax Bill$4,259 (2025)
Deeds & MortgagesNov 2022 Line of Credit
Jun 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN4617-04-53-1338

Property Details

APN / Parcel Number

Primary APN4617-04-53-1338
Alternative APN
  • 0801223

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures13 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area3,577 sqft Living Area
1st Floor Area2,327 sqft
Basement Area900 sqft
Finished Basement900 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Architectural StyleConventional
Exterior MaterialBrick/Stone
Construction TypeFrame
Lot Area30,928 sqft (0.71 acres)
TerrainRolling
View / LotWaterfront / Beach
Garage TypeAttached
Garage Area874 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area384 sqft
Patio Area430 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Street Address3946 GRANITE ST
CityTERRELL
StateNC
Zip28682-9733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 2 2 PL 47-155 SOMERSET PL 47-155
Legal SubdivisionSOMERSET ON LAKE NORMAN
Legal Lot Number2
JurisdictionCATAWBA NC
Township / Civil DivisionMOUNTAIN CREEK
Census Block Group2
Census Block2008
Census Tract11505

Owner

Source: Catawba County records · APN 4617-04-53-1338

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 Record2 Individual Names on File
Mailing Address3946 GRANITE ST, TERRELL, NC 28682-9733
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 04, 2022Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BANK NA
Jun 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 16, 2003 · Amount on Record
Deed SaleMay 16, 2003 · Amount on Record
Prior SaleJul 19, 1999 · Amount on Record
Record UpdatedSep 20, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCATAWBA NC
Property Address3946 GRANITE ST, TERRELL, NC 28682-9733
Transaction TypeMortgage
Record UpdatedDec 16, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3946 GRANITE ST, TERRELL, NC 28682-9733

Mortgage

Document Number0037781421
DateNov 04, 2022
Book Page3778/1421
Instrument23772
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCATAWBA NC
Property Address3946 GRANITE ST, TERRELL, NC 28682-9733
Transaction TypeMortgage
Record UpdatedJul 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036661851
DateJun 23, 2021
Book Page3666/1851
Instrument15036
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term179 Months
DueMay 01, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCatawba County
Unified School DistrictCatawba 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.

YearTax BillAssessed ValueAssessed Market Value
2026$1,068,700 (-) Land $276,900 Building $791,800
2025$4,259.00 (-19.08%)$1,068,700 (+53.57%) Land $276,900 Building $791,800
2024$5,263.00 (+2.08%)
2023$5,156.00$695,900 Land $207,700 Building $488,200$1,068,700 Land $276,900 Building $791,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Catawba County (37035C), updated September 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370350115052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies5 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 116 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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