Cleveland County property record for 103 Spruce St, Grover, NC 28073
| Property Type | Single Family Home |
|---|---|
| Details | 4,270 sqft · built 1924 |
| Lot Size | 0.63 acres (27,623 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $194,500 (Jun 2021) |
| Tax Bill | $2,385 (2026) |
| Deeds & Mortgages | Mar 2023 Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1201941 |
| Primary APN | 1201941 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,270 sqft Finished Area |
| Upper Floors Area | 955 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Lot Area | 27,623 sqft (0.63 acres) |
| Lot Dimensions | 188 ft deep x 38 ft wide |
| Garage Type | Carport |
| Garage Area | 989 sqft |
| Carport | Carport |
| Carport Area | 989 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Patio |
| Porch Area | 378 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1201941 |
|---|---|
| Street Address | 103 SPRUCE ST |
| City | GROVER |
| State | NC |
| Zip | 28073-9616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GB |
| Legal Description | LOT SPRUCE & MULBERRY ST |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 950604 |
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 | 103 SPRUCE ST, GROVER, NC 28073-9616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Jun 16, 2021 | Warranty Deed, Transfer · USDA Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2021 · Amount on Record |
| Deed Sale | Jun 16, 2021 · Amount on Record |
| Deed Document Number | 2021200056679 |
| Deed Book / Page | 1843 / 1710 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 103 SPRUCE ST, GROVER, NC 28073-9616 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 103 SPRUCE ST, GROVER, NC 28073-9616 |
| Document Number | 0018951140 |
|---|---|
| Date | Mar 31, 2023 |
| Book Page | 1895/1140 |
| Instrument | 200085616 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jun 16, 2021 |
| Property Address | 103 SPRUCE ST, GROVER, NC 28073-9616 |
| Document Number | 0018431710 |
| Book / Page | 1843 / 1710 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 200056679 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $389.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 156 ROUNTREE RD, 156, GROVER, NC 28073-9615 |
| Name | Verified Name |
|---|---|
| Address | 103 SPRUCE ST, GROVER, NC 28073-9616 |
| Document Number | 18431713 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 1843/1713 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Grover Town |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,385.00 (+3.65%) | $226,763 (-) Land $19,137 Building $207,626 | $226,763 (-) Land $19,137 Building $207,626 |
| 2025 | $2,301.00 | $226,763 (+76.19%) Land $19,137 Building $207,626 | $226,763 (+76.19%) Land $19,137 Building $207,626 |
| 2023 | $128,706 Land $17,606 Building $111,100 | $128,706 Land $17,606 Building $111,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF GROVER serves 805 people · EPA ID NC0123030 |
|---|---|
| Water Source | Purchased surface water from TOWN OF KINGS MOUNTAIN |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 123 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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