118 Steer St, Grover, NC 28073 Property Records

Cleveland County property record for 118 Steer St, Grover, NC 28073

Property Summary

Property Type	Single Family Home
Details	1,256 sqft · built 1984
Lot Size	3.96 acres (172,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Aug 2025)
Tax Bill	$1,031 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10290`

Property Details

APN / Parcel Number

Primary APN	`10290`
Alternative APN	`1315610`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,256 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Roof Type	Shed Roof
Lot Area	172,498 sqft (3.96 acres)
Porch	Slab
Porch Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1315610
Street Address	118 STEER ST
City	GROVER
State	NC
Zip	28073-9702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA0
Legal Description	3.96 AC #12 MAP5 LONG BRA NCH SD PB16-77
Legal Subdivision	MAP
Legal Block	1
Legal Lot Number	116
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2008
Census Tract	950603

Owner

Source: Cleveland County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	118 STEER ST, GROVER, NC 28073-9702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 21, 2017	Warranty Deed, Transfer · FHA Mortgage RESOURCE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Prior Sale	Mar 13, 2025 · Amount on Record
Deed Document Number	2025200117256
Record Updated	Sep 20, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 13, 2025
Property Address	118 STEER ST, GROVER, NC 28073-9702
Document Number	0019412088
Book / Page	1941 / 2088
Map Reference	MB 16 PG 77
Instrument Date	Mar 13, 2025
Instrument	200111283
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1701 W A ST, KANNAPOLIS, NC 28081-9313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 GRIER ST, GROVER, NC 28073-9587

Mortgage

Document Number	0200111284
Date	Mar 13, 2025
Instrument	200111284

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jun 21, 2017
Property Address	118 STEER ST, GROVER, NC 28073-9702
Document Number	0017442366
Book / Page	1744 / 2366
Map Reference	PL MB 16 PG 77
Instrument Date	Jun 20, 2017
Instrument	200001750
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1605 SHELBY RD, 1605, KINGS MOUNTAIN, NC 28086-2633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 STEER ST, GROVER, NC 28073-9702

Mortgage

Document Number	0017442369
Date	Jun 21, 2017
Book Page	1744/2369
Instrument	200001751

Lender

Name	RESOURCE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	COLUMBIA, SC 29205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$222,429 (+36.97%) Land $37,296 Building $185,133	$222,429 (+36.97%) Land $37,296 Building $185,133
2025	$1,031.00	$162,397 (+40.08%) Land $37,296 Building $125,101	$162,397 (+40.08%) Land $37,296 Building $125,101
2023		$115,931 Land $31,246 Building $84,685	$115,931 Land $31,246 Building $84,685

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	0.07% 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 72 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

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