Cleveland County property record for 130 N Main St, Waco, NC 28169
| Property Type | Single Family Home |
|---|---|
| Details | 220 sqft · built 1991 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Nov 2024) |
| Tax Bill | $602 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16128 |
| Primary APN | 16128 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 220 sqft Finished Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 33,977 sqft (0.78 acres) |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Screened Porch |
| Account Number | 1366700 |
|---|---|
| Street Address | 130 N MAIN ST |
| City | WACO |
| State | NC |
| Zip | 28169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA3 |
| Legal Description | #8-15 MOSS SD |
| Legal Subdivision | MOSS SD |
| Legal Block | 1 |
| Legal Lot Number | 75L |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 950301 |
130 N Main St is owned by two individuals who bought it in November 2024.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 130 MOSS ST, WACO, NC 28169 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Last Sale | Nov 1, 2024 · Amount on File |
| Deed Sale | Nov 1, 2024 · Amount on File |
| Prior Sale | May 11, 2012 · Amount on File |
| Deed Document Number | 2024200106567 |
| Deed Book / Page | 1932 / 2050 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 130 N MAIN ST, WACO, NC 28169 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0018362687 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | 1836/2687 |
| Instrument | 200052889 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | MARYVILLE, TN 37804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 277 Months |
| Due | Apr 1, 2044 |
The 2026 property tax bill for 130 N Main St was $602, up 11.7% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Waco Town |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $602.00 (+11.69%) | $20,053 (-) Land $13,213 Building $6,840 | $20,053 (-) Land $13,213 Building $6,840 |
| 2025 | $539.00 | $20,053 Land $13,213 Building $6,840 | $20,053 Land $13,213 Building $6,840 |
| 2023 | $13,635 Land $6,795 Building $6,840 | $13,635 Land $6,795 Building $6,840 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 130 N Main St 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 risk around 130 N Main St 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 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 38 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 |
May also be available: T-Mobile.
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