Cleveland County property record for 104 Oak Point Dr, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 2,516 sqft · built 1993 |
| Lot Size | 1.36 acres (59,532 sqft) |
| Owner | Individual Name on File |
| Last Sale | $278,000 (Oct 2015) |
| Tax Bill | $3,189 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40925 |
| Primary APN | 40925 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,516 sqft Finished Area |
| Upper Floors Area | 839 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 192 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 59,532 sqft (1.36 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 294 sqft |
| Deck Area | 310 sqft |
| Storage Building | 60 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1308771 |
|---|---|
| Street Address | 104 OAK POINT DR |
| City | CHERRYVILLE |
| State | NC |
| Zip | 28021-9304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | #64 PB16-132 CROSS CREEK |
| Legal Subdivision | CROSS CREEK |
| Legal Block | 1 |
| Legal Lot Number | 64 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 950301 |
104 Oak Point Dr is owned and occupied by an individual who bought it in October 2015.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| 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.
| Date | Document |
|---|---|
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2015 · Amount on File |
| Deed Sale | Oct 22, 2015 · Amount on File |
| Prior Sale | Nov 8, 2007 · Amount on File |
| Deed Document Number | 20159423 |
| Deed Book / Page | 1707 / 155 |
| Prior Transfer Date | Jun 18, 2013 |
| Prior Transfer Doc | 0016632052 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 104 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0018412653 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 1841/2653 |
| Instrument | 200055743 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 104 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Document Number | 0018231366 |
| Instrument Date | Sep 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 104 OAK POINT DR #D CHERRYVILLE NC 280219304, D, CHERRYVILLE, NC 28021-9304 |
| Document Number | 0018231366 |
|---|---|
| Date | Oct 8, 2020 |
| Book Page | 001823/001366 |
| Instrument | 45231 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 7, 2035 |
The 2026 property tax bill for 104 Oak Point Dr was $3,189, up 2% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,189.00 (+2.05%) | $492,131 (-) Land $59,492 Building $432,639 | $492,131 (-) Land $59,492 Building $432,639 |
| 2025 | $3,125.00 | $492,131 Land $59,492 Building $432,639 | $492,131 Land $59,492 Building $432,639 |
| 2023 | $367,100 Land $54,687 Building $312,413 | $367,100 Land $54,687 Building $312,413 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Oak Point Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 5, 2020 · 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 | 1 in force |
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 risk around 104 Oak Point Dr is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 74 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 |
| AT&T DSL | 100 / 20 |
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