313 E Main St, Lattimore, NC 28089 Property Records

Cleveland County property record for 313 E Main St, Lattimore, NC 28089 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1994
Square Footage	1,408 sqft Finished Area
Lot Size	38,768 sqft (0.89 acres)
Occupancy	Owner Occupied
Last Sale	$96,000 (2017)
Tax Bill	$1,176.00 (2025)

Owner

Source: Cleveland County records · APN 31862

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	313 E MAIN ST, SHELBY, NC 28150-7721
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 10, 2017 · Amount on Record
Deed Sale	Jul 10, 2017 · Amount on Record
Deed Doc Number	20172000-002429
Deed Book / Page	1746 / 629
Record Refreshed	Sep 20, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 10, 2017
Property Address	313 E MAIN ST, LATTIMORE, NC 28089
Document Number	0017460629
Book / Page	1746 / 0629
Instrument Date	Jul 06, 2017
Instrument	2000-002429
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1260 HERITAGE TRL, 1260, OSHKOSH, WI 54904-8154

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 E MAIN ST, LATTIMORE, NC 28089

Mortgage

Document Number	0017460632
Date	Jul 10, 2017
Book Page	1746/0632
Instrument	200002430

Lender

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

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Change Frequency	5 Years
Max Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,578 (-) Land $17,461 Building $120,117	$137,578 (-) Land $17,461 Building $120,117
2025	$1,176.00	$137,578 (+34.48%) Land $17,461 Building $120,117	$137,578 (+34.48%) Land $17,461 Building $120,117
2023		$102,300 Land $14,551 Building $87,749	$102,300 Land $14,551 Building $87,749

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	About 1 in 1,266 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`31862`
Alternative APN	`1315923`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	1,408 sqft Finished Area
Stories	1 Stories

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1994
Exterior Material	Brick Exterior
Lot Area	38,768 sqft (0.89 acres)
Porch Area	465 sqft Porch
Storage Building	80 sqft Storage Building

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	1315923
Street Address	313 E MAIN ST
City	LATTIMORE
State	NC
Zip	28089
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	.89 AC RD 1323
Legal Subdivision	LATTIMORE
Legal Block	1
Legal Lot Number	117
Jurisdiction	CLEVELAND NC
Minor Civil Division	CLEVELAND
Census Blockgroup	3
Census Block	3009
Census Tract	951400