4903 Universal Ct, Granite Falls, NC 28630 Property Records

Caldwell County property record for 4903 Universal Ct, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1998
Lot Size	0.271 acres (11,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$86,500 (Dec 1998)
Tax Bill	$1,574 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11 25A 1 32`

Property Details

APN / Parcel Number

Primary APN	`11 25A 1 32`
Alternative APNs	`106623` `184698`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,196 sqft Heated Area
Gross Area	2,708 sqft
1st Floor Area	1,196 sqft
Basement Area	598 sqft
Unfinished Basement	598 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,800 sqft (0.271 acres)
Lot Dimensions	100 ft deep x 118 ft wide
Garage Type	Finished
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	288 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	184698
Street Address	4903 UNIVERSAL CT
City	GRANITE FALLS
State	NC
Zip	28630-8941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1247 PG 757 YR 1998 ST 173.00
Legal Subdivision	SPRINGFIELD III
Jurisdiction	CALDWELL NC
Township / Civil Division	NORTH CATAWBA
Census Block Group	1
Census Block	1015
Census Tract	30801

Owner

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	4903 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS CU
Jan 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage KENNETH W & BARBARA A TEAGUE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 1998 · Amount on Record
Deed Sale	Dec 29, 1998 · Amount on Record
Prior Sale	Dec 1, 1998 · Amount on Record
Deed Book / Page	1247 / 757
Last Transfer Date	Nov 19, 2025
Transfer Doc	0021501825
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALDWELL NC
Recording Date	Nov 24, 2025
Property Address	4903 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941
Document Number	0021501825
Book / Page	2150 / 1825
Map Reference	MB 16 PG 145
Instrument Date	Nov 19, 2025
Instrument	10113255
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4903 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4903 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941

Mortgage

Document Number	0010113256
Date	Nov 24, 2025
Instrument	10113256

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	4903 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941
Document Number	0010048812
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4903 UNIVERSAL CT GRANITE FALLS NC 286308941, GRANITE FALLS, NC 28630-8941

Mortgage

Document Number	0010048812
Date	Oct 1, 2020
Book Page	002000/000002
Instrument	10048812

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2035

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	4903 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941
Document Number	0010011897
Book / Page	001920 / 000173
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 S MAIN ST GRANITE FALLS NC 286301934, GRANITE FALLS, NC 28630-1934

Mortgage

Document Number	0010011897
Date	Jun 1, 2017
Book Page	001920/000173
Instrument	10011897

Lender

Name	KENNETH W & BARBARA A TEAGUE
Address	5331 DUSTY LN, GRANITE FALLS, NC 28630-8353

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 31, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,574.00 (-4.49%)	$240,600 (-) Land $13,500 Building $227,100
2025	$1,648.00 (+45.45%)	$240,600 (+77.83%) Land $13,500 Building $227,100	$240,600 (+77.83%) Land $13,500 Building $227,100
2024	$1,133.00 (+6.19%)
2023		$135,300 (-) Land $13,500 Building $121,800	$135,300 (-) Land $13,500 Building $121,800
2022	$1,067.00	$135,300 Land $13,500 Building $121,800	$135,300 Land $13,500 Building $121,800

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

Flood

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	BATON WATER CORPORATION private · serves 7,874 people · EPA ID NC0114025
Water Source	Purchased surface water from CITY OF LENOIR
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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