784 Severt Cir, Lenoir, NC 28645 Property Records

Caldwell County property record for 784 Severt Cir, Lenoir, NC 28645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,666 sqft · built 2024
Lot Size	0.515 acres (22,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$288,000 (Sep 2025)
Tax Bill	$1,306 (2026)
Deeds & Mortgages	Aug 2024 Line of Credit Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09 70 1 4A`

Property Details

APN / Parcel Number

Primary APN	`09 70 1 4A`
Alternative APNs	`162906` `176098` `184265`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,666 sqft Heated Area
Gross Area	1,839 sqft
1st Floor Area	1,666 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,448 sqft (0.515 acres)
Lot Dimensions	122 ft deep x 184 ft wide
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	184265
Street Address	784 SEVERT CIR
City	LENOIR
State	NC
Zip	28645-8229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2069 PG 1680 YR 22 ST 0.00
Legal Subdivision	MINOR SUBDIVISION
Jurisdiction	CALDWELL NC
Township / Civil Division	LOWER CREEK
Census Block Group	1
Census Block	1010
Census Tract	30500

Owner

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	784 SEVERT CIR, LENOIR, NC 28645-8229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Deed of Trust, Mortgage · Line of Credit BUILDER FINANCE INC
Sep 30, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 26, 2022	Warranty Deed, Construction Loan
Jan 3, 2018	Warranty Deed, Transfer GRIMM PARALEGAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Jan 3, 2018 · Amount on Record
Deed Document Number	202510111414
Deed Book / Page	2146 / 564
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	784 SEVERT CIR, LENOIR, NC 28645-8229
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	293 GOOSE CREEK RD, MARION, NC 28752-8336

Mortgage

Document Number	0021151906
Date	Aug 16, 2024
Book Page	2115/1906
Instrument	10098719

Lender

Name	BUILDER FINANCE INC
Type	Mortgage Company
Address	101 S REID ST STE 203, SIOUX FALLS, SD 57103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	10 Months
Due	Jun 16, 2025

September 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Sep 30, 2025
Property Address	784 SEVERT CIR, LENOIR, NC 28645-8229
Document Number	0021460564
Book / Page	2146 / 564
Map Reference	MB 33 PG 13
Instrument Date	Sep 30, 2025
Instrument	10111414
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	293 GOOSE CREEK RD, MARION, NC 28752-8336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	784 SEVERT CIR, LENOIR, NC 28645-8229

Mortgage

Document Number	0010111415
Date	Sep 30, 2025
Instrument	10111415

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Oct 26, 2022
Property Address	784 SEVERT CIR, LENOIR, NC 28645-8229
Document Number	0020691680
Book / Page	2069 / 1680
Map Reference	MB 33 PG 251
Instrument Date	Oct 24, 2022
Instrument	10078167
Transaction Type	Construction Loan
Record Updated	Jul 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	293 GOOSE CREEK RD, MARION, NC 28752-8336

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jan 3, 2018
Property Address	784 SEVERT CIR, LENOIR, NC 28645-8229
Document Number	0010018306
Book / Page	001933 / 000852
Instrument Date	Jan 2, 2018
Instrument	10018306
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	GRIMM PARALEGAL SERVICES

Transaction

Amount	Amount Recorded
Tax	$24.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	931 N MAIN ST #3 MARION NC 287523174, 3, MARION, NC 28752-3174

Tax Assessment & Valuation

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	$1,306.00 (+27.29%)	$275,100 (+68.88%) Land $18,300 Building $256,800
2025	$1,026.00 (+1,065.91%)	$162,900 (+1,055.32%) Land $14,100 Building $148,800	$275,100 (+1,851.06%) Land $18,300 Building $256,800
2024	$88.00 (-47.62%)
2023		$14,100 (-) Land $14,100	$14,100 (-) Land $14,100
2022	$168.00	$14,100 Land $14,100	$14,100 Land $14,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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