164 Baxter Rd, Cherryville, NC 28021 Property Records

Cleveland County property record for 164 Baxter Rd, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	1,568 sqft · built 1993
Lot Size	0.612 acres (26,659 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,354 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46915`

Property Details

APN / Parcel Number

Primary APN	`46915`
Alternative APN	`1078441`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,568 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	26,659 sqft (0.612 acres)
Porch	Slab
Porch Area	280 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1078441
Street Address	164 BAXTER RD
City	CHERRYVILLE
State	NC
Zip	28021-9586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA4
Legal Description	.612 AC RD 1910
Legal Subdivision	WACO
Legal Block	1
Legal Lot Number	61
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1009
Census Tract	950301

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	2 Individual Names on Record
Mailing Address	164 BAXTER RD, CHERRYVILLE, NC 28021-9586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
May 24, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Feb 2, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 12, 2021
Transfer Doc	0200053651
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Aug 19, 2026
Property Address	164 BAXTER RD, CHERRYVILLE, NC 28021-9586
Document Number	0200132542
Book / Page	1982 / 1038
Instrument Date	Aug 14, 2026
Instrument	2026200132542
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 BAXTER RD, CHERRYVILLE, NC 28021-9586

Mortgage

Document Number	0200132542,
Date	Aug 19, 2026
Book Page	1982/1038
Instrument	2026200132542

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	164 BAXTER RD, CHERRYVILLE, NC 28021-9586
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018411965
Date	May 24, 2021
Book Page	1841/1965
Instrument	200055628

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	164 BAXTER RD, CHERRYVILLE, NC 28021-9586
Document Number	0017352027
Book / Page	001735 / 002027
Instrument Date	Feb 2, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017
Title Company	TITLESOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	164 BAXTER RD CHERRYVILLE NC 280219586, CHERRYVILLE, NC 28021-9586

Mortgage

Document Number	0017352027
Date	Feb 7, 2017
Book Page	001735/002027
Instrument	1297

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 6, 2032

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	$1,354.00 (+3.28%)	$206,461 (-) Land $17,380 Building $189,081	$206,461 (-) Land $17,380 Building $189,081
2025	$1,311.00	$206,461 (+43.84%) Land $17,380 Building $189,081	$206,461 (+43.84%) Land $17,380 Building $189,081
2023		$143,532 Land $10,428 Building $133,104	$143,532 Land $10,428 Building $133,104

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 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 20 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

Cell Coverage

5G (outdoors only) and 4G LTE

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