108 Oak Point Dr, Cherryville, NC 28021 Property Records

Cleveland County property record for 108 Oak Point Dr, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	2,110 sqft · built 1990
Lot Size	1.29 acres (56,473 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Sep 2010)
Tax Bill	$2,572 (2026)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40924`

Property Details

APN / Parcel Number

Primary APN	`40924`
Alternative APN	`1268158`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,110 sqft Finished Area
Upper Floors Area	790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	56,473 sqft (1.29 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Slab
Porch Area	402 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1268158
Street Address	108 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	#62 PB16-132 CROSS CREEK
Legal Subdivision	CROSS CREEK
Legal Block	1
Legal Lot Number	62
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	4
Census Block	4002
Census Tract	950301

Owner

108 Oak Point Dr is owned and occupied by two individuals who bought it in September 2010.

Source: Cleveland County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2010 · Amount on File
Deed Sale	Sep 3, 2010 · Amount on File
Deed Book / Page	1602 / 817
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	108 OAK POINT DR, CHERRYVILLE, NC 28021-9304
Transaction Type	Mortgage
Record Updated	Apr 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018681262
Date	Mar 28, 2022
Book Page	1868/1262
Instrument	200070487

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 108 Oak Point Dr was $2,572, up 1.5% from the year before.

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	$2,572.00 (+1.46%)	$399,234 (-) Land $59,076 Building $340,158	$399,234 (-) Land $59,076 Building $340,158
2025	$2,535.00	$399,234 Land $59,076 Building $340,158	$399,234 Land $59,076 Building $340,158
2023		$295,374 Land $54,346 Building $241,028	$295,374 Land $54,346 Building $241,028

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

Flood

FEMA maps place 108 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

Wildfire risk around 108 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.

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 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