103 Prospector Dr, Kings Mountain, NC 28086 Property Records

Cleveland County property record for 103 Prospector Dr, Kings Mountain, NC 28086

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.1 acres (48,206 sqft)
Owner	2 Individual Names on Record
Last Sale	$21,000 (Nov 2016)
Tax Bill	$232 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44254`

Property Details

APN / Parcel Number

Primary APN	`44254`
Alternative APN	`1313278`

Exterior

Lot Area	48,206 sqft (1.1 acres)

Location & Zoning

Account Number	1313278
Street Address	103 PROSPECTOR DR
City	KINGS MOUNTAIN
State	NC
Zip	28086-7773
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R10
Legal Description	#49 GOLD RUN PH 4
Legal Subdivision	GOLD RUN
Legal Phase	4
Legal Block	1
Legal Lot Number	115
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3014
Census Tract	950302

Owner

Source: Cleveland County records, as of September 23, 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	101 PROSPECTOR DR, KINGS MOUNTAIN, NC 28086-7773
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
May 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage SHARONVIEW FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2016 · Amount on Record
Deed Sale	Nov 23, 2016 · Amount on Record
Deed Document Number	201610377
Deed Book / Page	1731 / 514
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	103 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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	103 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	0017430109
Date	May 19, 2017
Book Page	1743/0109
Instrument	200000574

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 25, 2032

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	$232.00 (-0.43%)	$36,712 (-) Land $36,712	$36,712 (-) Land $36,712
2025	$233.00	$36,712 (+12.21%) Land $36,712	$36,712 (+12.21%) Land $36,712
2023		$32,716 Land $32,716	$32,716 Land $32,716

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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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	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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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