5397 River Rd, Granite Falls, NC 28630 Property Records

Caldwell County property record for 5397 River Rd, Granite Falls, NC 28630

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,292 sqft · built 1985
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Oct 1998)
Tax Bill	$1,376 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11 58 1 3`

Property Details

APN / Parcel Number

Primary APN	`11 58 1 3`
Alternative APN	`106165`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,292 sqft Heated Area
Gross Area	2,958 sqft
1st Floor Area	850 sqft
Upper Floors Area	442 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Logs
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	57,935 sqft (1.33 acres)
Garage Area	1 sqft

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Deck Area	272 sqft
Patio Area	272 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	106165
Street Address	5397 RIVER RD
City	GRANITE FALLS
State	NC
Zip	28630-8463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1240 PG 1772 YR 1998 ST 190.00
Legal Subdivision	M K BUMGARNER & D A BUMGARNER
Jurisdiction	CALDWELL NC
Township / Civil Division	NORTH CATAWBA
Census Block Group	1
Census Block	1038
Census Tract	31401

Owner

5397 River Rd is owned and occupied by two individuals who bought it in October 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	5397 RIVER RD, GRANITE FALLS, NC 28630-8463
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

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage SUMMIT CU
Dec 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 1998 · Amount on File
Deed Sale	Oct 30, 1998 · Amount on File
Prior Sale	Oct 1, 1998 · Amount on File
Deed Book / Page	1240 / 1772
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	5397 RIVER RD, GRANITE FALLS, NC 28630-8463
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020170917
Date	Apr 6, 2021
Book Page	2017/917
Instrument	10055850

Lender

Name	SUMMIT CU
Type	Credit Union
Address	GREENSBORO, NC 27409

Agreement

Amount	Amount on Record
Term	83 Months
Due	Mar 30, 2028

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	5397 RIVER RD, GRANITE FALLS, NC 28630-8463
Document Number	0010029057
Instrument Date	Dec 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5397 RIVER RD GRANITE FALLS NC 286308463, GRANITE FALLS, NC 28630-8463

Mortgage

Document Number	0010029057
Date	Jan 3, 2019
Book Page	001955/000999
Instrument	10029057

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 2, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 5397 River Rd was $1,376, down 4.5% 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	$1,376.00 (-4.51%)	$210,000 (-) Land $23,400 Building $186,600
2025	$1,441.00	$210,000 Land $23,400 Building $186,600	$210,000 Land $23,400 Building $186,600
2023		$130,100 (-) Land $20,800 Building $109,300	$130,100 (-) Land $20,800 Building $109,300
2022	$1,027.00	$130,100 Land $20,800 Building $109,300	$130,100 Land $20,800 Building $109,300

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

Flood

FEMA maps place 5397 River Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	3 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Nov 2020 · Tropical Storm Eta

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 5397 River Rd is low, with a 0.03% 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	0.03% 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 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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