606 White Oak Cir, Lenoir, NC 28645 Property Records

Caldwell County property record for 606 White Oak Cir, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,372 sqft · built 2004
Lot Size	0.139 acres (6,048 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Aug 2020)
Tax Bill	$1,337 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09148 2 14`

Property Details

APN / Parcel Number

Primary APN	`09148 2 14`
Alternative APN	`169482`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,372 sqft Heated Area
Gross Area	3,649 sqft
1st Floor Area	1,372 sqft
Basement Area	1,372 sqft
Unfinished Basement	1,372 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	6,048 sqft (0.139 acres)
Lot Dimensions	72 ft deep x 84 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	120 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	169482
Street Address	606 WHITE OAK CIR
City	LENOIR
State	NC
Zip	28645-8242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1996 PG 2064 YR 20 ST 410.00
Legal Subdivision	PARKVIEW
Jurisdiction	CALDWELL NC
Township / Civil Division	LOWER CREEK
Census Block Group	1
Census Block	1038
Census Tract	30500

Owner

606 White Oak Cir is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	606 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on File
Deed Sale	Aug 25, 2020 · Amount on File
Prior Sale	Dec 23, 2004 · Amount on File
Deed Document Number	202010047594
Deed Book / Page	1996 / 2064
Prior Transfer Date	Aug 28, 2003
Prior Transfer Doc	1467000049
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Aug 25, 2020
Property Address	606 WHITE OAK CIR, LENOIR, NC 28645-8242
Document Number	0010047594
Book / Page	001996 / 002064
Instrument Date	Aug 24, 2020
Instrument	10047594
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	606 WHITE OAK CIR LENOIR NC 286458242, LENOIR, NC 28645-8242

Mortgage

Document Number	10047595
Date	Aug 25, 2020
Book Page	001996/002067
Instrument	10047595

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 606 White Oak Cir was $1,337, 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	$1,337.00 (-25.68%)	$282,800 (-) Land $11,800 Building $271,000
2025	$1,799.00	$282,800 Land $11,800 Building $271,000	$282,800 Land $11,800 Building $271,000
2023		$164,800 (-) Land $11,800 Building $153,000	$164,800 (-) Land $11,800 Building $153,000
2022	$1,988.00	$164,800 Land $11,800 Building $153,000	$164,800 Land $11,800 Building $153,000

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

Flood

FEMA maps place 606 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 606 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

Nearby Properties on White Oak Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures