Caldwell County property record for 48 Central Ave, Granite Falls, NC 28630
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,144 sqft · built 1956 |
| Lot Size | 0.436 acres (19,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $55,000 (Jan 2013) |
| Tax Bill | $565 (2026) |
| Deeds & Mortgages | Apr 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 20 2 31 |
| Primary APN | 08 20 2 31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,144 sqft Heated Area |
| Gross Area | 1,836 sqft |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Other |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,000 sqft (0.436 acres) |
| Lot Dimensions | 190 ft deep x 100 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 112 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 156535 |
|---|---|
| Street Address | 48 CENTRAL AVE |
| City | GRANITE FALLS |
| State | NC |
| Zip | 28630-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1865 PG 778 YR 2015 ST 159.00 |
| Legal Subdivision | EUGENIA PAYNE LAND |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 31402 |
Source: Caldwell County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 48 CENTRAL AVE, GRANITE FALLS, NC 28630-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2013 · Amount on Record |
| Deed Sale | Jan 14, 2013 · Amount on Record |
| Prior Sale | Jan 1, 1994 |
| Deed Book / Page | 1812 / 477 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 48 CENTRAL AVE, GRANITE FALLS, NC 28630-1823 |
| Document Number | 0010033448 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 48 CENTRAL AVE GRANITE FALLS NC 286301823, GRANITE FALLS, NC 28630-1823 |
| Document Number | 0010033448 |
|---|---|
| Date | Jun 5, 2019 |
| Book Page | 001964/000956 |
| Instrument | 10033448 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 4, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Granite Falls Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $565.00 (-25.26%) | $117,200 (-) Land $13,200 Building $104,000 | |
| 2025 | $756.00 (+57.17%) | $117,200 (+56.06%) Land $13,200 Building $104,000 | $117,200 (+56.06%) Land $13,200 Building $104,000 |
| 2023 | $75,100 (-) Land $13,200 Building $61,900 | $75,100 (-) Land $13,200 Building $61,900 | |
| 2022 | $481.00 | $75,100 Land $13,200 Building $61,900 | $75,100 Land $13,200 Building $61,900 |
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 |
| 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.
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 | 0.02% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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