Cleveland County property record for 218 E Main St, Lawndale, NC 28090
| Property Type | Single Family Home |
|---|---|
| Details | 700 sqft · built 1928 |
| Lot Size | 0.13 acres (5,596 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $198,000 (Mar 2026) |
| Tax Bill | $66 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Apr 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34775 |
| Primary APN | 34775 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 700 sqft Finished Area |
| Basement Area | 600 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 300 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,596 sqft (0.13 acres) |
| Lot Dimensions | 200 ft deep x 28 ft wide |
| Porch | Slab |
| Porch Area | 256 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1307319 |
|---|---|
| Street Address | 218 E MAIN ST |
| City | LAWNDALE |
| State | NC |
| Zip | 28090-9644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA3 |
| Legal Description | LOT MAIN ST |
| Legal Subdivision | HILLCREST |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 950200 |
Source: Cleveland County records · APN 34775
Assessment roll updated September 30, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 218 E MAIN ST, LAWNDALE, NC 28090-9644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 27, 2024 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Mar 12, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 19, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 12, 2026 · Amount on Record |
| Deed Sale | Mar 12, 2026 · Amount on Record |
| Prior Sale | Apr 28, 2015 · Amount on Record |
| Deed Document Number | 2026200125623 |
| Deed Book / Page | 1969 / 193 |
| Prior Transfer Date | Aug 26, 2025 |
| Prior Transfer Doc | 0200118001 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 218 E MAIN ST, LAWNDALE, NC 28090-9644 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0019152804 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 1915/2804 |
| Instrument | 200097492 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 25279, RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 218 E MAIN ST, LAWNDALE, NC 28090-9644 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 152, LAWNDALE, NC 28090-0152 |
| Document Number | 0018962079 |
|---|---|
| Date | Apr 19, 2023 |
| Book Page | 1896/2079 |
| Instrument | 200086355 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | May 01, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year TN |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 12, 2026 |
| Property Address | 218 E MAIN ST, LAWNDALE, NC 28090-9644 |
| Document Number | 0019690193 |
| Book / Page | 1969 / 193 |
| Map Reference | MB 51 PG 52 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 200125623 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $396.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 116 CAMILLE DR, SHELBY, NC 28150-8207 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 218 E MAIN ST, LAWNDALE, NC 28090-9644 |
| Document Number | 0200125624 |
|---|---|
| Date | Mar 12, 2026 |
| Instrument | 200125624 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Apr 19, 2023 |
| Property Address | 218 E MAIN ST, LAWNDALE, NC 28090-9644 |
| Document Number | 0018962144 |
| Book / Page | 1896 / 2144 |
| Instrument Date | Apr 06, 2023 |
| Instrument | 200086366 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1061 WARLICK RD, LAWNDALE, NC 28090-9243 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1322 DOUBLE SPRINGS CH RD, SHELBY, NC 28150-7727 |
Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Lawndale Town |
| Unified School District | Cleveland County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,810 (-) Land $3,954 Building $47,856 | $51,810 (-) Land $3,954 Building $47,856 | |
| 2025 | $66.00 Disabled Person's exemption | $51,810 (+46.36%) Land $3,954 Building $47,856 | $51,810 (+46.36%) Land $3,954 Building $47,856 |
| 2023 | $35,399 Land $2,965 Building $32,434 | $35,399 Land $2,965 Building $32,434 |
Source: FEMA National Flood Hazard Layer, Cleveland County (37045C), updated March 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 45 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TOWN OF LAWNDALE serves 660 people |
|---|---|
| Water Source | Purchased surface water from CLEVELAND COUNTY WATER |
| Last State Inspection | Sep 2025 |
| 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 | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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