101 Prospector Dr, Kings Mountain, NC 28086 Property Records

Cleveland County property record for 101 Prospector Dr, Kings Mountain, NC 28086

Property Summary

Property Type	Single Family Home
Details	2,830 sqft · built 1998
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$284,000 (Nov 2016)
Tax Bill	$3,133 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`44255`

Property Details

APN / Parcel Number

Primary APN	`44255`
Alternative APN	`1313278`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,830 sqft Finished Area
Upper Floors Area	918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	41,818 sqft (0.96 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	32 sqft
Storage Building	156 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1313278
Street Address	101 PROSPECTOR DR
City	KINGS MOUNTAIN
State	NC
Zip	28086-7773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	#50PB17-153 GOLD RUN PH 4
Legal Subdivision	GOLD RUN
Legal Phase	4
Legal Block	1
Legal Lot Number	116
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3014
Census Tract	950302

Owner

Source: Cleveland County assessment roll, as of September 30, 2025

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 File
Mailing Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Sep 4, 2019	Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit JOLT CREDIT UNION
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 29, 2019	Correction Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2016 · Amount on Record
Deed Sale	Nov 18, 2016 · Amount on Record
Prior Sale	Jan 6, 2006 · Amount on Record
Deed Document Number	201610204
Deed Book / Page	1730 / 2217
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Jun 22, 2026
Property Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Document Number	0200129906
Book / Page	1977 / 673
Instrument Date	Jun 15, 2026
Instrument	2026200129906
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773

Mortgage

Document Number	0200129906,
Date	Jun 22, 2026
Book Page	1977/673
Instrument	2026200129906

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.33%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018952865
Date	Apr 10, 2023
Book Page	1895/2865
Instrument	200085909

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017972716
Date	Sep 4, 2019
Book Page	1797/2716
Instrument	200030070

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jun 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018320216
Date	Jan 29, 2021
Book Page	1832/216
Instrument	200050122

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018371724
Date	Apr 5, 2021
Book Page	1837/1724
Instrument	200053270

Lender

Name	JOLT CREDIT UNION
Type	Credit Union
Address	CHERRYVILLE, NC 28021

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 4, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018690859
Date	Apr 5, 2022
Book Page	1869/859
Instrument	200070919

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WINSTON SALEM, NC 27104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 29, 2019
Property Address	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Document Number	0017902110
Book / Page	001790 / 002110
Instrument Date	Apr 23, 2019
Instrument	25706
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$26.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	101 PROSPECTOR DR KINGS MOUNTAIN NC 280867773, KINGS MOUNTAIN, NC 28086-7773

Tax Assessment & Valuation

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$493,484 (-) Land $35,596 Building $457,888	$493,484 (-) Land $35,596 Building $457,888
2025	$3,133.00	$493,484 (+45.5%) Land $35,596 Building $457,888	$493,484 (+45.5%) Land $35,596 Building $457,888
2023		$339,175 Land $31,641 Building $307,534	$339,175 Land $31,641 Building $307,534

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 43 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

Cell Coverage

5G (outdoors only) and 4G LTE

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