227 S Main St, Waco, NC 28169 Property Records

Cleveland County property record for 227 S Main St, Waco, NC 28169

Property Summary

Property Type	Single Family Home
Details	1,921 sqft · built 1931
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$99,500 (May 2016)
Tax Bill	$1,336 (2026)
Deeds & Mortgages	Oct 2019 Loan Modification Nov 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`16021`

Property Details

APN / Parcel Number

Primary APN	`16021`
Alternative APN	`1311522`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,921 sqft Finished Area
Attic	Attic
Attic Area	549 sqft
Basement Area	343 sqft
Unfinished Basement	343 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Carport
Garage Area	406 sqft
Carport	Carport
Carport Area	406 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	448 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1311522
Street Address	227 S MAIN ST
City	WACO
State	NC
Zip	28169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA3
Legal Description	.5AC RD 1001
Legal Subdivision	WACO CITY LIMITS
Legal Block	1
Legal Lot Number	101
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1031
Census Tract	950301

Owner

227 S Main St is owned and occupied by an individual who bought it in May 2016.

Source: Cleveland County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	227 S MAIN ST, WACO, NC 28169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Loan Modification, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 9, 2017	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2016 · Amount on File
Deed Sale	May 18, 2016 · Amount on File
Prior Sale	Jun 25, 2014 · Amount on File
Deed Document Number	20164293
Deed Book / Page	1719 / 135
Prior Transfer Date	Feb 18, 2014
Prior Transfer Doc	0016730607
Record Updated	Oct 29, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	227 S MAIN ST, WACO, NC 28169
Document Number	0018020115
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 S MAIN ST WACO NC 28169, WACO, NC 28169

Mortgage

Document Number	0018020115
Date	Nov 12, 2019
Book Page	001802/000115
Instrument	32702

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Interest

Rate	3.25%

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	227 S MAIN ST, WACO, NC 28169
Document Number	0017571299
Book / Page	001757 / 001299
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2018
Title Company	TITLESOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 S MAIN ST WACO NC 28169, WACO, NC 28169

Mortgage

Document Number	0017571299
Date	Dec 18, 2017
Book Page	001757/001299
Instrument	8306

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROTT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 227 S Main St was $1,336, up 3.4% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Municipality	Waco Town
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,336.00 (+3.41%)	$149,440 (-) Land $14,000 Building $135,440	$149,440 (-) Land $14,000 Building $135,440
2025	$1,292.00	$149,440 Land $14,000 Building $135,440	$149,440 Land $14,000 Building $135,440
2023		$86,439 Land $8,400 Building $78,039	$86,439 Land $8,400 Building $78,039

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 227 S Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 227 S Main St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% 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 38 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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