115 Ponder Rd, Grover, NC 28073 Property Records

Cleveland County property record for 115 Ponder Rd, Grover, NC 28073

Property Summary

Property Type	Single Family Home
Details	1,487 sqft · built 1992
Lot Size	0.938 acres (40,894 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Jan 2020)
Tax Bill	$1,363 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45386`

Property Details

APN / Parcel Number

Primary APN	`45386`
Alternative APNs	`1327820` `1368137`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,487 sqft Finished Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	40,894 sqft (0.938 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1368137
Street Address	115 PONDER RD
City	GROVER
State	NC
Zip	28073-8738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	1 AC RD 2209
Legal Subdivision	EARL
Legal Block	1
Legal Lot Number	77
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2020
Census Tract	951602

Owner

115 Ponder Rd is owned and occupied by an individual who acquired it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	115 PONDER RD, GROVER, NC 28073-8738
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
Mar 24, 2020	Deed of Trust, Mortgage NOT AVAILABLE
Jan 28, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jan 20, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2020 · Amount on File
Deed Sale	Jan 28, 2020 · Amount on File
Prior Sale	Aug 17, 2012 · Amount on File
Deed Document Number	202035374
Deed Book / Page	1806 / 1185
Last Transfer Date	Dec 5, 2024
Transfer Doc	0200108039
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	115 PONDER RD, GROVER, NC 28073-8738
Document Number	0018101086
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 PONDER RD GROVER NC 280738738, GROVER, NC 28073-8738

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 28, 2020
Property Address	115 PONDER RD, GROVER, NC 28073-8738
Document Number	0018061185
Book / Page	1806 / 1185
Map Reference	MB 39 PG 65
Instrument Date	Jan 28, 2020
Instrument	200035374
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2036 BIGGERS LAKE RD, 2036, SHELBY, NC 28152-8548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 S DEPOT ST, CHERRYVILLE, NC 28021-3516
Investor	Possibly a Property Investor

Mortgage

Document Number	0018061188
Date	Jan 28, 2020
Book Page	1806/1188
Instrument	200035375

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 20, 2017
Property Address	115 PONDER RD, GROVER, NC 28073-8738
Document Number	0017341502
Book / Page	001734 / 001502
Instrument Date	Jan 20, 2017
Instrument	647
Transaction Type	Transfer
Record Updated	Apr 7, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 PONDER RD GROVER NC 280738738, GROVER, NC 28073-8738

Tax Assessment & Valuation

The 2026 property tax bill for 115 Ponder Rd was $1,363, up 5.7% 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	$1,363.00 (+5.74%)	$203,134 (-) Land $15,000 Building $188,134	$203,134 (-) Land $15,000 Building $188,134
2025	$1,289.00	$203,134 Land $15,000 Building $188,134	$203,134 Land $15,000 Building $188,134
2023		$124,920 Land $10,500 Building $114,420	$124,920 Land $10,500 Building $114,420

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

Flood

FEMA maps place 115 Ponder Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 115 Ponder Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% 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 34 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ponder Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures