Cleveland County property record for 122 Oak Point Dr, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 2,052 sqft · built 1990 |
| Lot Size | 0.865 acres (37,679 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,460 (2026) |
| Deeds & Mortgages | Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 40918 |
| Primary APN | 40918 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,052 sqft Finished Area |
| Basement Area | 2,052 sqft |
| Unfinished Basement | 2,052 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 37,679 sqft (0.865 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
| Deck Area | 208 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1090829 |
|---|---|
| Street Address | 122 OAK POINT DR |
| City | CHERRYVILLE |
| State | NC |
| Zip | 28021-9304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | 55CROS CRK SD PB16-132 MAP1 |
| Legal Subdivision | CROS CRK SD |
| Legal Block | 1 |
| Legal Lot Number | 55 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 950301 |
122 Oak Point Dr is owned and occupied by two individuals.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 122 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 122 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0018071212 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 1807/1212 |
| Instrument | 200035980 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | SHELBY, NC 28151 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 122 Oak Point Dr was $2,460, up 2.8% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,460.00 (+2.84%) | $376,725 (-) Land $53,284 Building $323,441 | $376,725 (-) Land $53,284 Building $323,441 |
| 2025 | $2,392.00 | $376,725 Land $53,284 Building $323,441 | $376,725 Land $53,284 Building $323,441 |
| 2023 | $299,647 Land $49,408 Building $250,239 | $299,647 Land $49,408 Building $250,239 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 122 Oak Point Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 risk around 122 Oak Point Dr is low, with a 0.04% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 74 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 |
| AT&T DSL | 100 / 20 |
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