Cleveland County property record for 305 Mill Rd, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 1,435 sqft · built 1988 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,815 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 56430 |
| Primary APN | 56430 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,435 sqft Finished Area |
| Upper Floors Area | 470 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 252 sqft |
| Deck Area | 224 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1074003 |
|---|---|
| Street Address | 305 MILL RD |
| City | CHERRYVILLE |
| State | NC |
| Zip | 28021-9324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA3 |
| Legal Description | .74 AC MILL RD |
| Legal Subdivision | WACO CITY LIMITS |
| Legal Block | 1 |
| Legal Lot Number | 174 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 950301 |
305 Mill Rd is owned and occupied by an individual.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 MILL RD, CHERRYVILLE, NC 28021-9324 |
| 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.
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage TONY E MCSWAIN ETUX |
| Jun 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 305 MILL RD, CHERRYVILLE, NC 28021-9324 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0018630104 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 1863/104 |
| Instrument | 200067282 |
| Name | TONY E MCSWAIN ETUX |
|---|---|
| Type | Private Party |
| Address | 120 S DOGWOOD DR, SURFSIDE BEACH, SC 29575 |
| Amount | Amount on Record |
|---|---|
| Term | 205 Months |
| Due | Feb 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 305 MILL RD, CHERRYVILLE, NC 28021-9324 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017930378 |
|---|---|
| Date | Jun 7, 2019 |
| Book Page | 1793/0378 |
| Instrument | 200027124 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2039 |
The 2026 property tax bill for 305 Mill Rd was $1,815, up 2.3% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Waco Town |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,815.00 (+2.31%) | $204,462 (-) Land $18,648 Building $185,814 | $204,462 (-) Land $18,648 Building $185,814 |
| 2025 | $1,774.00 | $204,462 Land $18,648 Building $185,814 | $204,462 Land $18,648 Building $185,814 |
| 2023 | $139,062 Land $11,188 Building $127,874 | $139,062 Land $11,188 Building $127,874 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 Mill Rd 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 risk around 305 Mill Rd 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 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 68 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 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 100 / 20 |
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