492 Falls Ave, Granite Falls, NC 28630 Property Records

Caldwell County property record for 492 Falls Ave, Granite Falls, NC 28630

Property Summary

Property Type	Agricultural Vacant Land
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Tax Bill	$83 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08108 1 21H`

Property Details

APN / Parcel Number

Primary APN	`08108 1 21H`
Alternative APNs	`161825` `176007`

Exterior

Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Account Number	176007
Street Address	492 FALLS AVE
City	GRANITE FALLS
State	NC
Zip	28630-8641
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Legal Description	BK 2069 PG 1830 YR 22 ST 0.00
Legal Subdivision	PATRICIA REID HARRISON
Jurisdiction	CALDWELL NC
Township / Civil Division	LOVELADY
Census Block Group	1
Census Block	1026
Census Tract	31302

Owner

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	Individual Name on Record
Mailing Address	496 FALLS AVE, GRANITE FALLS, NC 28630-8641
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 27, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage RIVER CITY MORTGAGE LLC
Oct 14, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage RIVER CITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 8, 2022
Transfer Doc	0020690038
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	492 FALLS AVE, GRANITE FALLS, NC 28630-8641
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 FALLS AVE, GRANITE FALLS, NC 28630-8641

Mortgage

Document Number	0021580502
Date	Mar 3, 2026
Book Page	2158/502
Instrument	10116246

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALDWELL NC
Recording Date	Oct 27, 2022
Property Address	492 FALLS AVE, GRANITE FALLS, NC 28630-8641
Document Number	0020691830
Book / Page	2069 / 1830
Map Reference	MB 21 PG 488
Instrument Date	Oct 8, 2022
Instrument	10078196
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	496 FALLS AVE, GRANITE FALLS, NC 28630-8641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 FALLS AVE, GRANITE FALLS, NC 28630-8641

Mortgage

Document Number	0010078197
Date	Oct 27, 2022
Instrument	10078197

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALDWELL NC
Recording Date	Oct 14, 2022
Property Address	492 FALLS AVE, GRANITE FALLS, NC 28630-8641
Document Number	0020690034
Book / Page	2069 / 34
Map Reference	MB 21 PG 488
Instrument Date	Oct 8, 2022
Instrument	10077823
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	496 FALLS AVE, GRANITE FALLS, NC 28630-8641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 FALLS AVE, GRANITE FALLS, NC 28630-8641

Mortgage

Document Number	0020690038
Date	Oct 14, 2022
Book Page	2069/38
Instrument	10077824

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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	$83.00 (-4.6%)	$13,900 (-) Land $13,900
2025	$87.00 (-1.14%)	$13,900 (+11.2%) Land $13,900	$13,900 (+11.2%) Land $13,900
2023		$12,500 (-) Land $12,500	$12,500 (-) Land $12,500
2022	$88.00	$12,500 Land $12,500	$12,500 Land $12,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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