Cleveland County property record for 140 Oak Point Dr, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 2,040 sqft · built 1996 |
| Lot Size | 0.653 acres (28,474 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $310,000 (Aug 2018) |
| Tax Bill | $3,190 (2026) |
| Deeds & Mortgages | Sep 2025 Transfer Aug 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40912 |
| Primary APN | 40912 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,040 sqft Finished Area |
| Upper Floors Area | 1,020 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 28,474 sqft (0.653 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 372 sqft |
| Deck Area | 600 sqft |
| Canopy | 300 sqft |
| Storage Building | Storage Building |
| Boat Access | Boat Access |
| Boat House | Boat House |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1320962 |
|---|---|
| Street Address | 140 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 | #49 PB16-132A CROSS CREEK |
| Legal Subdivision | CROSS CREEK |
| Legal Block | 1 |
| Legal Lot Number | 49 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 950301 |
140 Oak Point Dr is owned by a company that acquired it in September 2025.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 140 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 26, 2025 | Intrafamily Transfer, Transfer |
| Aug 6, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Dec 15, 2017 | Deed, Transfer · Conventional Mortgage HOMETRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2018 · Amount on File |
| Deed Sale | Aug 6, 2018 · Amount on File |
| Prior Sale | Dec 15, 2017 · Amount on File |
| Deed Document Number | 2018200016606 |
| Deed Book / Page | 1773 / 1166 |
| Last Transfer Date | Sep 22, 2025 |
| Transfer Doc | 0019562631 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Sep 26, 2025 |
| Property Address | 140 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Document Number | 0019562631 |
| Book / Page | 1956 / 2631 |
| Map Reference | MB 16 PG 132A |
| Instrument Date | Sep 22, 2025 |
| Instrument | 200119221 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 140 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Name | Verified Name |
|---|---|
| Address | 140 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Aug 6, 2018 |
| Property Address | 140 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Document Number | 0017731166 |
| Book / Page | 1773 / 1166 |
| Map Reference | MB 16 PG 132A |
| Instrument Date | Aug 6, 2018 |
| Instrument | 200016606 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 411 WALNUT ST # 8877, 411, GREEN COVE SPRINGS, FL 32043-3443 |
| Name | Verified Name |
|---|---|
| Address | 140 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Document Number | 200016607 |
|---|---|
| Date | Aug 6, 2018 |
| Instrument | 200016607 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Dec 15, 2017 |
| Property Address | 140 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Document Number | 0017571247 |
| Book / Page | 1757 / 1247 |
| Instrument Date | Oct 11, 2017 |
| Instrument | 2017-008295 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 411 WALNUT ST, GREEN COVE SPRINGS, FL 32043-3443 |
| Document Number | 0017571249 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 1757/1249 |
| Instrument | 200008296 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 140 Oak Point Dr was $3,190, up 2% 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 | $3,190.00 (+2.05%) | $492,351 (-) Land $135,000 Building $357,351 | $492,351 (-) Land $135,000 Building $357,351 |
| 2025 | $3,126.00 | $492,351 Land $135,000 Building $357,351 | $492,351 Land $135,000 Building $357,351 |
| 2023 | $327,234 Land $126,000 Building $201,234 | $327,234 Land $126,000 Building $201,234 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 140 Oak Point Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 140 Oak Point Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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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