Caldwell County property record for 5815 Powder Loop, Granite Falls, NC 28630
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,750 sqft · built 1971 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Feb 2019) |
| Tax Bill | $2,639 (2026) |
| Deeds & Mortgages | Oct 2022 Construction Loan Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 SEC13 45 |
| Primary APN | 08 SEC13 45 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 3,750 sqft Heated Area |
| Gross Area | 5,134 sqft |
| 1st Floor Area | 1,926 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 276 sqft |
| Storage Building | Storage Building |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 154114 |
|---|---|
| Street Address | 5815 POWDER LOOP |
| City | GRANITE FALLS |
| State | NC |
| Zip | 28630-8399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1958 PG 415 YR 2019 ST 330.00 |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 31301 |
Source: Caldwell County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5815 POWDER LOOP, GRANITE FALLS, NC 28630-8399 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO |
| Feb 22, 2019 | Warranty Deed, Transfer · Conventional with PMI CERTAINTY HM LNS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2019 · Amount on Record |
| Deed Sale | Feb 22, 2019 · Amount on Record |
| Prior Sale | May 25, 2007 · Amount on Record |
| Deed Document Number | 201910030471 |
| Deed Book / Page | 1958 / 415 |
| Prior Transfer Date | May 21, 2007 |
| Prior Transfer Doc | 1641001640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 5815 POWDER LOOP, GRANITE FALLS, NC 28630-8399 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020690770 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 2069/770 |
| Instrument | 10077955 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LINDENHURST, NY 11757 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.52% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.52% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.52% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Feb 22, 2019 |
| Property Address | 5815 POWDER LOOP, GRANITE FALLS, NC 28630-8399 |
| Document Number | 0010030471 |
| Book / Page | 001958 / 000415 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 10030471 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2019 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 115 GUNPOWDER VIEW CIR GRANITE FALLS NC 286308570, GRANITE FALLS, NC 28630-8570 |
| Document Number | 10030472 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | 001958/000417 |
| Instrument | 10030472 |
| Name | CERTAINTY HM LNS LLC |
|---|---|
| Address | PLANO, TX 75093 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 21, 2049 |
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 | $2,639.00 (-21.51%) | $442,400 (-) Land $110,700 Building $331,700 | |
| 2025 | $3,362.00 (+184.19%) | $442,400 (+245.36%) Land $110,700 Building $331,700 | $442,400 (+245.36%) Land $110,700 Building $331,700 |
| 2023 | $128,100 (-22.13%) Land $110,700 Building $17,400 | $128,100 (-22.13%) Land $110,700 Building $17,400 | |
| 2022 | $1,183.00 | $164,500 Land $110,700 Building $53,800 | $164,500 Land $110,700 Building $53,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 93 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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