1232 Padgett Rd, Lattimore, NC 28089 Property Records

Cleveland County property record for 1232 Padgett Rd, Lattimore, NC 28089

Property Summary

Property Type	Single Family Home
Details	1,776 sqft · built 1977
Lot Size	2.96 acres (128,938 sqft)
Owner	Individual Name on Record
Tax Bill	$1,475 (2026)
Deeds & Mortgages	Feb 2017 Line of Credit Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31234`

Property Details

APN / Parcel Number

Primary APN	`31234`
Alternative APN	`1120909`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,776 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	128,938 sqft (2.96 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1120909
Street Address	1232 PADGETT RD
City	LATTIMORE
State	NC
Zip	28089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	2.96AC RD 1325
Legal Subdivision	NEW HOUSE AREA
Legal Block	1
Legal Lot Number	55
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2013
Census Tract	951400

Owner

Source: Cleveland County records, as of September 23, 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	PO BOX 242, LATTIMORE, NC 28089-0242
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2017	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Mar 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOME TRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1232 PADGETT RD, LATTIMORE, NC 28089
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017361154
Date	Feb 16, 2017
Book Page	1736/1154
Instrument	2017-001637

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1232 PADGETT RD, LATTIMORE, NC 28089
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017620444
Date	Mar 2, 2018
Book Page	1762/0444
Instrument	200010822

Lender

Name	HOME TRUST BANK
Address	ASHEVILLE, NC 28802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2033

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	$1,475.00 (+5.21%)	$220,836 (-) Land $31,787 Building $189,049	$220,836 (-) Land $31,787 Building $189,049
2025	$1,402.00	$220,836 (+60.64%) Land $31,787 Building $189,049	$220,836 (+60.64%) Land $31,787 Building $189,049
2023		$137,474 Land $24,289 Building $113,185	$137,474 Land $24,289 Building $113,185

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 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	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.06% 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 22 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Padgett Rd

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