609 White Oak Cir, Lenoir, NC 28645 Property Records

Caldwell County property record for 609 White Oak Cir, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,098 sqft · built 2011
Lot Size	0.192 acres (8,366 sqft)
Owner	Individual Name on File
Last Sale	$145,500 (Aug 2019)
Tax Bill	$1,132 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`166952`

Property Details

APN / Parcel Number

Primary APN	`166952`
Alternative APN	`09148 2 7`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,098 sqft Heated Area
Gross Area	2,272 sqft
1st Floor Area	1,098 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,366 sqft (0.192 acres)
Lot Dimensions	94 ft deep x 89 ft wide
Deck Area	124 sqft
Patio Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	166952
Street Address	609 WHITE OAK CIR
City	LENOIR
State	NC
Zip	28645-8242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1970 PG 1380 YR 2019 ST 291.00
Legal Subdivision	PARKVIEW SUBDIVISION
Jurisdiction	CALDWELL NC
Township / Civil Division	LOWER CREEK
Census Block Group	1
Census Block	1039
Census Tract	30500

Owner

609 White Oak Cir is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	609 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
Aug 30, 2019	Warranty Deed, Transfer CERTAINTY HM LNS LLC
Aug 4, 2017	Warranty Deed, Transfer WR STARKEY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Prior Sale	Aug 4, 2017 · Amount on File
Deed Document Number	201910036272
Deed Book / Page	1970 / 1380
Prior Transfer Date	Sep 2, 2009
Prior Transfer Doc	0017220386
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Aug 30, 2019
Property Address	609 WHITE OAK CIR, LENOIR, NC 28645-8242
Document Number	0010036272
Book / Page	001970 / 001380
Instrument Date	Aug 30, 2019
Instrument	10036272
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$291.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 WHITE OAK CIR LENOIR NC 286458242, LENOIR, NC 28645-8242

Mortgage

Document Number	10036273
Date	Aug 30, 2019
Book Page	001970/001383
Instrument	10036273

Lender

Name	CERTAINTY HM LNS LLC
Address	PLANO, TX 75093

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Aug 4, 2017
Property Address	609 WHITE OAK CIR, LENOIR, NC 28645-8242
Document Number	0010013837
Book / Page	001924 / 000281
Instrument Date	Aug 4, 2017
Instrument	10013837
Transaction Type	Transfer
Record Updated	Aug 24, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 WHITE OAK CIR LENOIR NC 286458242, LENOIR, NC 28645-8242

Mortgage

Document Number	19240284
Date	Aug 4, 2017
Book Page	001924/000284

Lender

Name	WR STARKEY MTG
Type	Mortgage Company
Address	PLANO, TX 75093

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 609 White Oak Cir was $1,132, 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	$1,132.00 (-25.67%)	$238,900 (-) Land $14,200 Building $224,700
2025	$1,523.00	$238,900 Land $14,200 Building $224,700	$238,900 Land $14,200 Building $224,700
2023		$142,700 (-) Land $14,200 Building $128,500	$142,700 (-) Land $14,200 Building $128,500
2022	$1,724.00	$142,700 Land $14,200 Building $128,500	$142,700 Land $14,200 Building $128,500

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

Flood

FEMA maps place 609 White Oak Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2013.

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
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 609 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

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