109 E Ballard St, Cherryville, NC 28021 Property Records

Gaston County property record for 109 E Ballard St, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,060 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$24,000 (Jul 2013)
Tax Bill	$1,663 (2026)
Deeds & Mortgages	Dec 2023 Second Mortgage Oct 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06012 04600`

Property Details

APN / Parcel Number

Primary APN	`06012 04600`
Alternative APN	`130669`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,060 sqft Heated Area
Interior Walls	Paneling

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,841 sqft (0.18 acres)
Porch	Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 E BALLARD ST
City	CHERRYVILLE
State	NC
Zip	28021-3303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	06 012 046 00 000
Jurisdiction	GASTON NC
Township / Civil Division	CHERRYVILLE
Census Block Group	1
Census Block	1021
Census Tract	30700

Owner

109 E Ballard St is owned and occupied by an individual who bought it in July 2013.

Source: Gaston County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	109 E BALLARD ST, CHERRYVILLE, NC 28021-3303
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

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage JOLT CREDIT UNION
Oct 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2013 · Amount on File
Deed Sale	Jul 31, 2013 · Amount on File
Deed Book / Page	4688 / 1525
Prior Transfer Date	Apr 2, 1998
Prior Transfer Doc	2775000297
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	109 E BALLARD ST, CHERRYVILLE, NC 28021-3303
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054512447
Date	Dec 21, 2023
Book Page	5451/2447

Lender

Name	JOLT CREDIT UNION
Type	Credit Union
Address	CHERRYVILLE, NC 28021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 27, 2038

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GASTON NC
Recording Date	Oct 23, 2018
Property Address	109 E BALLARD ST, CHERRYVILLE, NC 28021-3303
Document Number	0050070202
Book / Page	005007 / 000202
Instrument Date	Oct 18, 2018
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E BALLARD ST CHERRYVILLE NC 280213303, CHERRYVILLE, NC 28021-3303

Tax Assessment & Valuation

The 2026 property tax bill for 109 E Ballard St was $1,663.

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Gaston County
Municipality	Cherryville City
Unified School District	Gaston County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,663.00	$154,190 (-) Land $10,630 Building $143,560
2025	$1,663.00	$154,190 Land $10,630 Building $143,560
2023	$1,680.00	$154,190 Land $10,630 Building $143,560
2021			$87,510 Land $8,500 Building $79,010

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

Flood

FEMA maps place 109 E Ballard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 1, 2026

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

Wildfire risk around 109 E Ballard St is low, with a 0.02% annual chance of wildfire.

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	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	CITY OF CHERRYVILLE serves 6,353 people · EPA ID NC0136030
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
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

May also be available: AT&T.

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