306 Harbor View Dr, Cherryville, NC 28021 Property Records

Cleveland County property record for 306 Harbor View Dr, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	2,452 sqft · built 1998
Lot Size	6.16 acres (268,330 sqft)
Owner	2 Individual Names on File
Last Sale	$41,500 (Nov 2019)
Tax Bill	$3,760 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16930`

Property Details

APN / Parcel Number

Primary APN	`16930`
Alternative APN	`1326749`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,452 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	268,330 sqft (6.16 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1326749
Street Address	306 HARBOR VIEW DR
City	CHERRYVILLE
State	NC
Zip	28021-8420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	6.16AC HARBOR POINT
Legal Subdivision	HARBOR POINT
Legal Block	1
Legal Lot Number	90
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	4
Census Block	4006
Census Tract	950301

Owner

306 Harbor View Dr is owned and occupied by two individuals who acquired it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	306 HARBOR VIEW DR, CHERRYVILLE, NC 28021-8420
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 11, 2022	Deed of Trust, Mortgage · Construction Mortgage THE FIDELITY BANK
Jan 27, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Deed Document Number	2019200032709
Deed Book / Page	1802 / 151
Last Transfer Date	Dec 28, 2021
Transfer Doc	0018632261
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	306 HARBOR VIEW DR, CHERRYVILLE, NC 28021-8420
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 KENT DR, LAWNDALE, NC 28090-9383

Mortgage

Document Number	0019071251
Date	Sep 29, 2023
Book Page	1907/1251
Instrument	200092532

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.07%
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.07%
Max Rate At Change	8.07%
Index	5-Year TN
Margin	2
Max Rate	12%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	306 HARBOR VIEW DR, CHERRYVILLE, NC 28021-8420
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 KENT DR, LAWNDALE, NC 28090-9383

Mortgage

Document Number	0018792854
Date	Aug 11, 2022
Book Page	1879/2854
Instrument	200076926

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	SHELBY, NC 28150

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 27, 2022
Property Address	306 HARBOR VIEW DR, CHERRYVILLE, NC 28021-8420
Document Number	0018632261
Book / Page	1863 / 2261
Instrument Date	Dec 28, 2021
Instrument	200067673
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18096 HARMON RD, 18096, FAYETTEVILLE, AR 72704-8609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 KENT DR, LAWNDALE, NC 28090-9383
Investor	Possibly a Property Investor

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Nov 12, 2019
Property Address	306 HARBOR VIEW DR, CHERRYVILLE, NC 28021-8420
Document Number	0018020151
Book / Page	001802 / 000151
Instrument Date	Nov 1, 2019
Instrument	32709
Transaction Type	Transfer
Record Updated	Nov 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$83.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 KENT DR LAWNDALE NC 280909383, LAWNDALE, NC 28090-9383

Tax Assessment & Valuation

The 2026 property tax bill for 306 Harbor View Dr was $3,760, up 1.6% from the year before.

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	$3,760.00 (+1.65%)	$582,527 (-) Land $86,155 Building $496,372	$582,527 (-) Land $86,155 Building $496,372
2025	$3,699.00	$582,527 Land $86,155 Building $496,372	$582,527 Land $86,155 Building $496,372
2023		$45,584 Land $45,584	$45,584 Land $45,584

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

Flood

FEMA maps place 306 Harbor View Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 306 Harbor View Dr 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 63% of the US · above 51% 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 80 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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