151 Cook Rd, Casar, NC 28020 Property Records

Cleveland County property record for 151 Cook Rd, Casar, NC 28020

Property Summary

Property Type	Single Family Home
Details	864 sqft · built 1967
Lot Size	0.942 acres (41,034 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	May 2023 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71083`

Property Details

APN / Parcel Number

Primary APN	`71083`
Alternative APN	`1005227`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	864 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Lot Area	41,034 sqft (0.942 acres)
Porch	Slab
Porch Area	96 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1005227
Street Address	151 COOK RD
City	CASAR
State	NC
Zip	28020-8713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	.942AC RD1532 LIFE ESTATE
Legal Subdivision	DUNCAN CREEK
Legal Block	1
Legal Lot Number	3
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	4
Census Block	4030
Census Tract	950101

Owner

Source: Cleveland County records, as of August 18, 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	151 COOK RD, CASAR, NC 28020-8713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	151 COOK RD, CASAR, NC 28020-8713
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018972923
Date	May 9, 2023
Book Page	1897/2923
Instrument	200087066

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	151 COOK RD, CASAR, NC 28020-8713
Document Number	0018241409
Instrument Date	Oct 16, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 COOK RD CASAR NC 280208713, CASAR, NC 28020-8713

Mortgage

Document Number	0018241409
Date	Oct 21, 2020
Book Page	001824/001409
Instrument	45788

Lender

Name	HOMETRUST BK
Type	Bank
Address	ASHEVILLE, NC 28802-0010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2050

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	Assessed Value	Assessed Market Value
2026	$89,523 (-) Land $8,387 Building $81,136	$89,523 (-) Land $8,387 Building $81,136
2025	$89,523 (+82.47%) Land $8,387 Building $81,136	$89,523 (+82.47%) Land $8,387 Building $81,136
2023	$49,063 Land $7,488 Building $41,575	$49,063 Land $7,488 Building $41,575

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 80% of the US · lower than 76% 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.

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 21 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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