Caldwell County property record for 405 Stonecroft Dr SE, Lenoir, NC 28645
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,201 sqft · built 1987 |
| Lot Size | 2.11 acres (91,960 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $479,000 (Mar 2021) |
| Tax Bill | $3,151 (2026) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09 53 1 3 |
| Primary APN | 09 53 1 3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 4,201 sqft Heated Area |
| Gross Area | 6,090 sqft |
| 1st Floor Area | 2,491 sqft |
| Upper Floors Area | 1,710 sqft |
| Attic | Attic |
| Attic Area | 916 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 91,960 sqft (2.11 acres) |
| Lot Dimensions | 484 ft deep x 190 ft wide |
| Garage Type | Finished |
| Garage Area | 729 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Patio |
| Porch Area | 244 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 171108 |
|---|---|
| Street Address | 405 STONECROFT DR SE |
| City | LENOIR |
| State | NC |
| Zip | 28645-4601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2016 PG 1832 YR 21 ST 958.00 |
| Legal Subdivision | STONECROFT ESTATES |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOWER CREEK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30500 |
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 | 405 STONECROFT DR SE, LENOIR, NC 28645-4601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2024 | Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING LLC |
| Mar 31, 2021 | Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 19, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2021 · Amount on Record |
| Deed Sale | Mar 31, 2021 · Amount on Record |
| Prior Sale | Sep 15, 2011 · Amount on Record |
| Deed Document Number | 202110055635 |
| Deed Book / Page | 2016 / 1832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 405 STONECROFT DR SE, LENOIR, NC 28645-4601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2024 |
| Title Company | MADISON SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Address | 405 STONECROFT DR SE, LENOIR, NC 28645-4601 |
| Document Number | 0021040602 |
|---|---|
| Date | Mar 8, 2024 |
| Book Page | 2104/602 |
| Instrument | 10093634 |
| Name | UNITED MORTGAGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 300 GALLERIA OFFICENTRE STE 101, SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Mar 31, 2021 |
| Property Address | 405 STONECROFT DR SE, LENOIR, NC 28645-4601 |
| Document Number | 0020161832 |
| Book / Page | 2016 / 1832 |
| Map Reference | MB 13 PG 64 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 10055635 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $958.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2281 KENT VIEW LN, 2281, LENOIR, NC 28645-6052 |
| Name | Verified Name |
|---|---|
| Address | 405 STONECROFT DR SE, LENOIR, NC 28645-4601 |
| Document Number | 10055636 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 10055636 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 405 STONECROFT DR SE, LENOIR, NC 28645-4601 |
| Document Number | 0010031383 |
| Instrument Date | Mar 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 STONECROFT DR SE LENOIR NC 286454601, LENOIR, NC 28645-4601 |
| Document Number | 0010031383 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 001960/000057 |
| Instrument | 10031383 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Lenoir City |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,151.00 (-24.89%) | $663,100 (-) Land $49,200 Building $613,900 | |
| 2025 | $4,195.00 (-22.34%) | $663,100 (+47.26%) Land $49,200 Building $613,900 | $663,100 (+47.26%) Land $49,200 Building $613,900 |
| 2023 | $450,300 (-) Land $44,200 Building $406,100 | $450,300 (-) Land $44,200 Building $406,100 | |
| 2022 | $5,402.00 | $450,300 Land $44,200 Building $406,100 | $450,300 Land $44,200 Building $406,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LENOIR serves 26,388 people · EPA ID NC0114010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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