Caldwell County property record for 5489 Dugger St, Granite Falls, NC 28630
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,650 sqft · built 1971 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Sep 2021) |
| Tax Bill | $2,047 (2026) |
| Deeds & Mortgages | Aug 2023 Transfer Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11 60 1 25C |
| Primary APN | 11 60 1 25C |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,650 sqft Heated Area |
| Gross Area | 4,338 sqft |
| 1st Floor Area | 1,975 sqft |
| Upper Floors Area | 675 sqft |
| Basement Area | 1,377 sqft |
| Unfinished Basement | 1,377 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 42,689 sqft (0.98 acres) |
| Porch | Slab |
| Porch Area | 150 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 172724 |
|---|---|
| Street Address | 5489 DUGGER ST |
| City | GRANITE FALLS |
| State | NC |
| Zip | 28630-9214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2034 PG 372 YR 21 ST 380.00 |
| Legal Subdivision | JAMES C DUGGER & SUE F DUGGER |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | NORTH CATAWBA |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 31401 |
5489 Dugger St is owned and occupied by two individuals who bought it in September 2021.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5489 DUGGER ST, GRANITE FALLS, NC 28630-9214 |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2023 | Intrafamily Transfer, Transfer |
| Sep 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2021 · Amount on File |
| Deed Sale | Sep 17, 2021 · Amount on File |
| Prior Sale | Jul 15, 1999 |
| Deed Document Number | 202110062804 |
| Deed Book / Page | 2034 / 372 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Aug 18, 2023 |
| Property Address | 5489 DUGGER ST, GRANITE FALLS, NC 28630-9214 |
| Document Number | 0020902049 |
| Book / Page | 2090 / 2049 |
| Instrument Date | Aug 18, 2023 |
| Instrument | 10087609 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5489 DUGGER ST, GRANITE FALLS, NC 28630-9214 |
| Name | Verified Name |
|---|---|
| Address | 5489 DUGGER ST, GRANITE FALLS, NC 28630-9214 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Sep 17, 2021 |
| Property Address | 5489 DUGGER ST, GRANITE FALLS, NC 28630-9214 |
| Document Number | 0020340372 |
| Book / Page | 2034 / 372 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 10062804 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 WAYLAND DR, 320, GREENEVILLE, TN 37743-5823 |
| Name | Verified Name |
|---|---|
| Address | 5489 DUGGER ST, GRANITE FALLS, NC 28630-9214 |
| Document Number | 10062805 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 10062805 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Oct 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Index | 5-Year CMT |
| Max Rate | 9.15% |
The 2026 property tax bill for 5489 Dugger St was $2,047, down 29.6% from the year before.
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,047.00 (-29.63%) | $357,200 (-) Land $18,300 Building $338,900 | |
| 2025 | $2,909.00 (+124.46%) | $357,200 Land $18,300 Building $338,900 | $357,200 Land $18,300 Building $338,900 |
| 2024 | $1,296.00 | ||
| 2023 | $202,600 (-) Land $16,200 Building $186,400 | $202,600 (-) Land $16,200 Building $186,400 | |
| 2022 | $1,587.00 | $202,600 Land $16,200 Building $186,400 | $202,600 Land $16,200 Building $186,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5489 Dugger St 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 risk around 5489 Dugger St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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