44 Central Ave, Granite Falls, NC 28630 Property Records

Caldwell County property record for 44 Central Ave, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1957
Lot Size	0.698 acres (30,420 sqft)
Owner	2 Individual Names on File
Tax Bill	$675 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08 20 2 28`

Property Details

APN / Parcel Number

Primary APN	`08 20 2 28`
Alternative APN	`160349`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,100 sqft Heated Area
Gross Area	2,250 sqft
1st Floor Area	1,100 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	30,420 sqft (0.698 acres)
Lot Dimensions	234 ft deep x 130 ft wide
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	160349
Street Address	44 CENTRAL AVE
City	GRANITE FALLS
State	NC
Zip	28630-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1907 PG 1295 YR 2016 ST 0.00
Legal Subdivision	EUGENIA PAYNE LAND
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	2
Census Block	2005
Census Tract	31402

Owner

44 Central Ave is owned and occupied by two individuals.

Source: Caldwell County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	44 CENTRAL AVE, GRANITE FALLS, NC 28630-1823
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	44 CENTRAL AVE, GRANITE FALLS, NC 28630-1823
Document Number	0019121151
Book / Page	001912 / 001151
Instrument Date	Jan 13, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 CENTRAL AVE GRANITE FALLS NC 286301823, GRANITE FALLS, NC 28630-1823

Mortgage

Document Number	0019121151
Date	Jan 31, 2017
Book Page	001912/001151

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 44 Central Ave was $675, down 6% from the year before.

Source: Caldwell County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Municipality	Granite Falls Town
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$675.00 (-5.99%)	$140,800 (-) Land $17,500 Building $123,300
2025	$718.00	$140,800 Land $17,500 Building $123,300	$140,800 Land $17,500 Building $123,300
2023		$93,000 (-) Land $17,500 Building $75,500	$93,000 (-) Land $17,500 Building $75,500
2022	$591.00	$93,000 Land $17,500 Building $75,500	$93,000 Land $17,500 Building $75,500

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

Flood

FEMA maps place 44 Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2005 · other causes

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

Wildfire risk around 44 Central Ave is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF GRANITE FALLS serves 7,318 people · EPA ID NC0114030
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20