119 Oakleaf Dr, Kings Mountain, NC 28086 Property Records

Cleveland County property record for 119 Oakleaf Dr, Kings Mountain, NC 28086

Property Summary

Property Type	Single Family Home
Details	1,170 sqft · built 1971
Lot Size	0.491 acres (21,388 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Apr 2022)
Tax Bill	$1,080 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15031`

Property Details

APN / Parcel Number

Primary APN	`15031`
Alternative APNs	`1095710` `1347432`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,170 sqft Finished Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	21,388 sqft (0.491 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	152 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1347432
Street Address	119 OAKLEAF DR
City	KINGS MOUNTAIN
State	NC
Zip	28086-9470
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	.491 AC RD 2185
Legal Subdivision	CHERRYVILLE
Legal Block	1
Legal Lot Number	90
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1008
Census Tract	950302

Owner

119 Oakleaf Dr is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	119 OAKLEAF DR, KINGS MOUNTAIN, NC 28086-9470
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
Apr 9, 2026	Deed of Trust, Mortgage · Construction Mortgage LOANFLIGHT LENDING LLC
Apr 21, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 12, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 23, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2022 · Amount on File
Deed Sale	Apr 21, 2022 · Amount on File
Deed Document Number	2022200071740
Deed Book / Page	1870 / 2325
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Apr 9, 2026
Property Address	119 OAKLEAF DR, KINGS MOUNTAIN, NC 28086-9470
Document Number	0019711025
Book / Page	1971 / 1025
Instrument Date	Apr 4, 2026
Instrument	2026200126790
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STATES TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 OAKLEAF DR, KINGS MOUNTAIN, NC 28086-9470

Mortgage

Document Number	0200126790,
Date	Apr 9, 2026
Book Page	1971/1025
Instrument	2026200126790

Lender

Name	LOANFLIGHT LENDING LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 21, 2022
Property Address	119 OAKLEAF DR, KINGS MOUNTAIN, NC 28086-9470
Document Number	0018702325
Book / Page	1870 / 2325
Instrument Date	Apr 20, 2022
Instrument	200071740
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 WHITTAKER RD, 310, SWANSEA, SC 29160-8651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 OAKLEAF DR, KINGS MOUNTAIN, NC 28086-9470

Mortgage

Document Number	0018702329
Date	Apr 21, 2022
Instrument	1870/2329

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	119 OAKLEAF DR, KINGS MOUNTAIN, NC 28086-9470
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018190542
Date	Aug 12, 2020
Book Page	1819/542
Instrument	200042805

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	119 OAKLEAF DR, KINGS MOUNTAIN, NC 28086-9470
Document Number	0017581688
Book / Page	001758 / 001688
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	119 OAKLEAF DR KINGS MOUNTAIN NC 280869470, KINGS MOUNTAIN, NC 28086-9470

Mortgage

Document Number	0017581688
Date	Jan 4, 2018
Book Page	001758/001688
Instrument	8903

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 119 Oakleaf Dr was $1,080, up 7.5% 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	$1,080.00 (+7.46%)	$158,371 (-) Land $15,940 Building $142,431	$158,371 (-) Land $15,940 Building $142,431
2025	$1,005.00	$158,371 Land $15,940 Building $142,431	$158,371 Land $15,940 Building $142,431
2023		$89,717 Land $14,828 Building $74,889	$89,717 Land $14,828 Building $74,889

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

Flood

FEMA maps place 119 Oakleaf Dr 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 119 Oakleaf Dr 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oakleaf Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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