604 White Oak Cir, Lenoir, NC 28645 Property Records

Caldwell County property record for 604 White Oak Cir, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 2004
Lot Size	0.139 acres (6,075 sqft)
Owner	Individual Name on File
Last Sale	$147,500 (Jun 2006)
Tax Bill	$1,397 (2026)
Deeds & Mortgages	Nov 2019 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09148 2 13`

Property Details

APN / Parcel Number

Primary APN	`09148 2 13`
Alternative APN	`130300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Heated Area
Gross Area	3,648 sqft
1st Floor Area	1,431 sqft
Basement Area	1,431 sqft
Unfinished Basement	1,431 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,075 sqft (0.139 acres)
Lot Dimensions	75 ft deep x 81 ft wide
Garage Type	Finished
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	160 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	130300
Street Address	604 WHITE OAK CIR
City	LENOIR
State	NC
Zip	28645-8242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1599 PG 464 YR 06 ST 295.00
Legal Subdivision	PARKVIEW SUBDIVISION
Jurisdiction	CALDWELL NC
Township / Civil Division	LOWER CREEK
Census Block Group	1
Census Block	1038
Census Tract	30500

Owner

604 White Oak Cir is owned and occupied by an individual who bought it in June 2006.

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

Owner of Record	Individual Name on File
Mailing Address	604 WHITE OAK CIR, LENOIR, NC 28645-8242
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
Nov 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2006 · Amount on File
Deed Sale	Jun 16, 2006 · Amount on File
Prior Sale	Nov 24, 2004 · Amount on File
Deed Book / Page	1599 / 464
Prior Transfer Date	Aug 28, 2003
Prior Transfer Doc	1467000049
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	604 WHITE OAK CIR, LENOIR, NC 28645-8242
Document Number	0010038784
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 WHITE OAK CIR LENOIR NC 286458242, LENOIR, NC 28645-8242

Mortgage

Document Number	0010038784
Date	Nov 20, 2019
Book Page	001976/000378
Instrument	10038784

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	604 WHITE OAK CIR, LENOIR, NC 28645-8242
Document Number	0010017427
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 WHITE OAK CIR LENOIR NC 286458242, LENOIR, NC 28645-8242

Mortgage

Document Number	0010017427
Date	Dec 4, 2017
Book Page	001931/001327
Instrument	10017427

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 3, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 604 White Oak Cir was $1,397, down 6.1% 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	$1,397.00 (-6.05%)	$295,500 (-) Land $11,300 Building $284,200
2025	$1,487.00	$295,500 Land $11,300 Building $284,200	$295,500 Land $11,300 Building $284,200
2023		$174,600 (-) Land $11,300 Building $163,300	$174,600 (-) Land $11,300 Building $163,300
2022	$2,105.00	$174,600 Land $11,300 Building $163,300	$174,600 Land $11,300 Building $163,300

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

Flood

FEMA maps place 604 White Oak Cir in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	7 (2013–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 604 White Oak Cir 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.

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Skyline Telephone, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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