111 Harbor Point Dr, Cherryville, NC 28021 Property Records

Cleveland County property record for 111 Harbor Point Dr, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	1,896 sqft · built 1977
Lot Size	0.618 acres (26,928 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jul 2020)
Tax Bill	$1,563 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14674`

Property Details

APN / Parcel Number

Primary APN	`14674`
Alternative APN	`1332021`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,896 sqft Finished Area
Basement Area	1,392 sqft
Finished Basement	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Lot Area	26,928 sqft (0.618 acres)
Lot Dimensions	187 ft deep x 144 ft wide
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Storage Building	84 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1332021
Street Address	111 HARBOR POINT DR
City	CHERRYVILLE
State	NC
Zip	28021-8330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#67 HARBOR PT SD PB14-29
Legal Subdivision	HARBOR PT SD
Legal Block	1
Legal Lot Number	67
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	4
Census Block	4006
Census Tract	950301

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	Individual Name on Record
Mailing Address	111 HARBOR POINT DR, CHERRYVILLE, NC 28021-8330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Deed Document Number	202041255
Deed Book / Page	1816 / 1373
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 7, 2020
Property Address	111 HARBOR POINT DR, CHERRYVILLE, NC 28021-8330
Document Number	0018161373
Book / Page	1816 / 1373
Map Reference	MB 14 PG 29
Instrument Date	Jul 6, 2020
Instrument	200041255
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	846 SOUTHERN PINE TRL, 846, ROCKLEDGE, FL 32955-3568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 HARBOR POINT DR, CHERRYVILLE, NC 28021-8330

Mortgage

Document Number	18161376
Date	Jul 7, 2020
Instrument	1816/1376

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Aug 1, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

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	$1,563.00 (+4.83%)	$234,854 (-) Land $33,264 Building $201,590	$234,854 (-) Land $33,264 Building $201,590
2025	$1,491.00	$234,854 (+52.25%) Land $33,264 Building $201,590	$234,854 (+52.25%) Land $33,264 Building $201,590
2023		$154,255 Land $23,760 Building $130,495	$154,255 Land $23,760 Building $130,495

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 80 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