4908 Universal Ct, Granite Falls, NC 28630 Property Records

Caldwell County property record for 4908 Universal Ct, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1996
Lot Size	0.339 acres (14,751 sqft)
Owner	2 Individual Names on File
Last Sale	$104,000 (Mar 2005)
Tax Bill	$1,549 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11 25A 1 22`

Property Details

APN / Parcel Number

Primary APN	`11 25A 1 22`
Alternative APN	`126160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,196 sqft Heated Area
Gross Area	2,500 sqft
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Finished Basement	395 sqft
Unfinished Basement	801 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
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	14,751 sqft (0.339 acres)
Lot Dimensions	149 ft deep x 99 ft wide

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	126160
Street Address	4908 UNIVERSAL CT
City	GRANITE FALLS
State	NC
Zip	28630-8941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1543 PG 430 YR 05 ST 208.00
Legal Subdivision	SPRINGFIELD III SUBDIVISION
Jurisdiction	CALDWELL NC
Township / Civil Division	NORTH CATAWBA
Census Block Group	1
Census Block	1015
Census Tract	30801

Owner

4908 Universal Ct is owned and occupied by two individuals who bought it in March 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	4908 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941
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
Last Sale	Mar 23, 2005 · Amount on File
Deed Sale	Mar 23, 2005 · Amount on File
Prior Sale	Jan 1, 1997 · Amount on File
Deed Book / Page	1543 / 430
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	4908 UNIVERSAL CT, GRANITE FALLS, NC 28630-8941
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020780273
Date	Mar 3, 2023
Book Page	2078/273
Instrument	10081976

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 4908 Universal Ct was $1,549, down 2% from the year before.

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	$1,549.00 (-19.99%)	$236,800 (-) Land $13,900 Building $222,900
2025	$1,936.00	$236,800 Land $13,900 Building $222,900	$236,800 Land $13,900 Building $222,900
2023		$131,700 (-) Land $13,900 Building $117,800	$131,700 (-) Land $13,900 Building $117,800
2022	$1,039.00	$131,700 Land $13,900 Building $117,800	$131,700 Land $13,900 Building $117,800

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

Flood

FEMA maps place 4908 Universal Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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

Wildfire risk around 4908 Universal Ct is low, with a 0.04% annual chance of 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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