514 Powell Rd, Lenoir, NC 28645 Property Records

Caldwell County property record for 514 Powell Rd, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,820 sqft · built 1960
Lot Size	1.11 acres (48,552 sqft)
Owner	2 Individual Names on File
Last Sale	$288,000 (Aug 2023)
Tax Bill	$1,280 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09 83 1 30`

Property Details

APN / Parcel Number

Primary APN	`09 83 1 30`
Alternative APNs	`152930` `178521`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Heated Area
Gross Area	2,397 sqft
1st Floor Area	1,820 sqft
Basement Area	341 sqft
Unfinished Basement	341 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,552 sqft (1.11 acres)
Lot Dimensions	204 ft deep x 238 ft wide

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	178521
Street Address	514 POWELL RD
City	LENOIR
State	NC
Zip	28645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2091 PG 1795 YR 23 ST 576.00
Jurisdiction	CALDWELL NC
Township / Civil Division	LOWER CREEK
Census Block Group	2
Census Block	2020
Census Tract	30500

Owner

514 Powell Rd is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	514 POWELL CIR NE, LENOIR, NC 28645-4518
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

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Mar 20, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Prior Sale	Mar 20, 2023 · Amount on File
Deed Document Number	202310087979
Deed Book / Page	2091 / 1795
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	514 POWELL RD, LENOIR, NC 28645
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	UNKNOWN, MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 POWELL CIR NE, LENOIR, NC 28645-4518

Mortgage

Document Number	0021511856
Date	Dec 9, 2025
Book Page	2151/1856
Instrument	10113677

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME
Type	Non-Lending Institution
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Sep 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	514 POWELL RD, LENOIR, NC 28645
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 POWELL CIR NE, LENOIR, NC 28645-4518

Mortgage

Document Number	0020790828
Date	Mar 20, 2023
Book Page	2079/828
Instrument	10082499

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

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 514 Powell Rd was $1,280, down 25.7% 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	Lenoir City
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,280.00 (-25.71%)	$270,600 (-) Land $24,400 Building $246,200
2025	$1,723.00	$270,600 Land $24,400 Building $246,200	$270,600 Land $24,400 Building $246,200
2023		$142,800 (-) Land $24,400 Building $118,400	$142,800 (-) Land $24,400 Building $118,400
2022	$1,725.00	$142,800 Land $24,400 Building $118,400	$142,800 Land $24,400 Building $118,400

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

Flood

FEMA maps place 514 Powell Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2005–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2019 · rainfall accumulation

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 514 Powell Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF LENOIR serves 26,388 people · EPA ID NC0114010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2021
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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Skyline Telephone, Verizon.

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