108 Lancer Dr, Cherryville, NC 28021 Property Records

Cleveland County property record for 108 Lancer Dr, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	2,128 sqft · built 1995
Lot Size	0.479 acres (20,865 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,068 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14936`

Property Details

APN / Parcel Number

Primary APN	`14936`
Alternative APN	`1343578`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,128 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Metal
Lot Area	20,865 sqft (0.479 acres)
Porch	Slab
Deck Area	20 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1343578
Street Address	108 LANCER DR
City	CHERRYVILLE
State	NC
Zip	28021-9369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	#5 BLK B BEAM EST SD
Legal Subdivision	BEAM
Legal Block	1
Legal Lot Number	52
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1001
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	108 LANCER DR, CHERRYVILLE, NC 28021-9369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 31, 2023	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 5, 2021
Transfer Doc	0018570591
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Apr 6, 2026
Property Address	108 LANCER DR, CHERRYVILLE, NC 28021-9369
Document Number	0200126590
Book / Page	1970 / 2863
Instrument Date	Apr 1, 2026
Instrument	2026200126590
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	108 LANCER DR, CHERRYVILLE, NC 28021-9369

Mortgage

Document Number	0200126590,
Date	Apr 6, 2026
Book Page	1970/2863
Instrument	2026200126590

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	272 Months
Due	Dec 1, 2048

Interest

Rate	6%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	108 LANCER DR, CHERRYVILLE, NC 28021-9369
Transaction Type	Mortgage
Record Updated	Nov 10, 2023
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019091203
Date	Oct 31, 2023
Book Page	1909/1203
Instrument	200093687

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2048

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Nov 10, 2021
Property Address	108 LANCER DR, CHERRYVILLE, NC 28021-9369
Document Number	0018570591
Book / Page	1857 / 591
Instrument Date	Nov 5, 2021
Instrument	200064115
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	NOT AVAILABLE, RAVENSWOOD TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	108 LANCER DR, CHERRYVILLE, NC 28021-9369

Mortgage

Document Number	1857595
Date	Nov 10, 2021
Instrument	1857/595

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

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	$1,068.00 (+4.4%)	$161,230 (-) Land $11,946 Building $149,284	$161,230 (-) Land $11,946 Building $149,284
2025	$1,023.00	$161,230 (+103.27%) Land $11,946 Building $149,284	$161,230 (+103.27%) Land $11,946 Building $149,284
2023		$79,318 Land $11,112 Building $68,206	$79,318 Land $11,112 Building $68,206

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 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.07% 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	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 68 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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