112 E Ballard St, Cherryville, NC 28021 Property Records

Gaston County property record for 112 E Ballard St, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1898
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Apr 2023)
Tax Bill	$1,985 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06012 04800`

Property Details

APN / Parcel Number

Primary APN	`06012 04800`
Alternative APN	`130671`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Heated Area
Interior Walls	Paneling

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	11,761 sqft (0.27 acres)
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	112 E BALLARD ST
City	CHERRYVILLE
State	NC
Zip	28021-3304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	06 012 048 00 000
Jurisdiction	GASTON NC
Township / Civil Division	CHERRYVILLE
Census Block Group	1
Census Block	1025
Census Tract	30700

Owner

Source: Gaston County records, as of August 31, 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	112 E BALLARD ST, CHERRYVILLE, NC 28021-3304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · USDA Mortgage LOWER LLC
Apr 6, 2023	Warranty Deed, Transfer · USDA Mortgage LOWER LLC
Oct 22, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2023 · Amount on Record
Deed Sale	Apr 6, 2023 · Amount on Record
Prior Sale	Oct 22, 2018 · Amount on Record
Deed Book / Page	5402 / 1744
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	112 E BALLARD ST, CHERRYVILLE, NC 28021-3304
Transaction Type	Mortgage
Record Updated	Dec 4, 2025
Title Company	SAI SETTLEMENT SERVICES LLC, SUMMIT SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E BALLARD ST, CHERRYVILLE, NC 28021-3304

Mortgage

Document Number	0055982445
Date	Nov 12, 2025
Book Page	5598/2445

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	5950 SYMPHONY WOODS RD STE 312, COLUMBIA, MD 21044

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Apr 6, 2023
Property Address	112 E BALLARD ST, CHERRYVILLE, NC 28021-3304
Document Number	0054021744
Book / Page	5402 / 1744
Instrument Date	Apr 6, 2023
Transaction Type	Transfer
Record Updated	May 29, 2023
Title Company	FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1042 CLINEVIEW DR, CHERRYVILLE, NC 28021-8615

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054021747
Date	Apr 6, 2023
Instrument	5402/1747

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Oct 22, 2018
Property Address	112 E BALLARD ST, CHERRYVILLE, NC 28021-3304
Document Number	0050061744
Book / Page	5006 / 1744
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10815 ASPEN BEND CT APT 618, 10815, CHARLOTTE, NC 28277-3006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E BALLARD ST, CHERRYVILLE, NC 28021-3304

Mortgage

Document Number	50061747
Date	Oct 22, 2018
Instrument	5006/1747

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Feb 5, 2018
Property Address	112 E BALLARD ST, CHERRYVILLE, NC 28021-3304
Document Number	0049591656
Book / Page	004959 / 001656
Instrument Date	Feb 5, 2018
Transaction Type	Transfer
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$68.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1009 N MOUNTAIN ST CHERRYVILLE NC 280212020, CHERRYVILLE, NC 28021-2020

Tax Assessment & Valuation

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	$1,985.00 (+1.33%)	$184,050 (+2.39%) Land $12,500 Building $171,550
2023	$1,959.00	$179,760 Land $12,500 Building $167,260
2021			$79,910 Land $10,000 Building $69,910

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 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

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	0.04% 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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