Cleveland County property record for 145 Oak Point Dr, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 2,058 sqft · built 1986 |
| Lot Size | 0.729 acres (31,755 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,275 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40884 |
| Primary APN | 40884 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,058 sqft Finished Area |
| Upper Floors Area | 510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Shed Roof |
| Lot Area | 31,755 sqft (0.729 acres) |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 204 sqft |
| Deck Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 7890501 |
|---|---|
| Street Address | 145 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 | #21 & PT 22 CROSS CREEK |
| Legal Subdivision | CROSS CREEK |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 950301 |
145 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 | 145 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 | 145 OAK POINT DR, CHERRYVILLE, NC 28021-9304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0018201791 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 1820/1791 |
| Instrument | 200043620 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2026 property tax bill for 145 Oak Point Dr was $2,275, up 3.1% 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 | $2,275.00 (+3.13%) | $347,449 (-) Land $51,722 Building $295,727 | $347,449 (-) Land $51,722 Building $295,727 |
| 2025 | $2,206.00 | $347,449 Land $51,722 Building $295,727 | $347,449 Land $51,722 Building $295,727 |
| 2023 | $284,435 Land $47,960 Building $236,475 | $284,435 Land $47,960 Building $236,475 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 Oak Point Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 145 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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