Cleveland County property record for 314 Downing Dr, Kings Mountain, NC 28086
| Property Type | Single Family Home |
|---|---|
| Details | 2,303 sqft · built 1973 |
| Lot Size | 0.71 acres (30,960 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Jul 2022) |
| Tax Bill | $2,714 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Jul 2022 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1348624 |
| Primary APN | 1348624 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,303 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 30,960 sqft (0.71 acres) |
| Lot Dimensions | 172 ft deep x 180 ft wide |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 230 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1348624 |
|---|---|
| Street Address | 314 DOWNING DR |
| City | KINGS MOUNTAIN |
| State | NC |
| Zip | 28086-2606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | #9&PT#8 BLK A PB10-58 ASHLEY PK LIFE ESTATE |
| Legal Subdivision | ASHLEY PK |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 950400 |
314 Downing Dr is owned and occupied by two individuals who acquired it in September 2024.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Mar 5, 2021 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jul 8, 2022 | Warranty Deed, Transfer |
| Jun 4, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Mar 7, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage CAROLINA MODULAR SOLUTIONS |
| Aug 3, 2017 | Warranty Deed, Transfer |
| May 30, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2022 · Amount on File |
| Deed Sale | Jul 8, 2022 · Amount on File |
| Prior Sale | Jun 4, 2020 · Amount on File |
| Deed Document Number | 2022200075409 |
| Deed Book / Page | 1877 / 1096 |
| Last Transfer Date | Sep 13, 2024 |
| Transfer Doc | 0019290961 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Document Number | 0018342437 |
|---|---|
| Date | Mar 5, 2021 |
| Book Page | 1834/2437 |
| Instrument | 200051772 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 8, 2022 |
| Property Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Document Number | 0018771096 |
| Book / Page | 1877 / 1096 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 200075409 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 808 W MOUNTAIN ST, 808, KINGS MOUNTAIN, NC 28086-2726 |
| Name | Verified Name |
|---|---|
| Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jun 4, 2020 |
| Property Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Document Number | 0018140940 |
| Book / Page | 001814 / 000940 |
| Instrument Date | Jun 4, 2020 |
| Instrument | 40013 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $650.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 DOWNING DR KINGS MOUNTAIN NC 280862606, KINGS MOUNTAIN, NC 28086-2606 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 7, 2018 |
| Property Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Document Number | 0017621023 |
| Book / Page | 001762 / 001023 |
| Instrument Date | Mar 1, 2018 |
| Instrument | 10950 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 164 WELLS RD KINGS MOUNTAIN, KINGS MOUNTAIN |
| Document Number | 17621023 |
|---|---|
| Date | Mar 7, 2018 |
| Book Page | 001762/001023 |
| Instrument | 10950 |
| Name | CAROLINA MODULAR SOLUTIONS |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 6, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Aug 3, 2017 |
| Property Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Document Number | 0017480322 |
| Book / Page | 001748 / 000322 |
| Instrument Date | Aug 3, 2017 |
| Instrument | 3388 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2017 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 162 WELLS RD KINGS MOUNTAIN NC 280868231, KINGS MOUNTAIN, NC 28086-8231 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 30, 2017 |
| Property Address | 314 DOWNING DR, KINGS MOUNTAIN, NC 28086-2606 |
| Document Number | 0017431312 |
| Book / Page | 001743 / 001312 |
| Instrument Date | May 30, 2017 |
| Instrument | 977 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 292 KINGS MOUNTAIN NC 280860292, KINGS MOUNTAIN, NC 28086-0292 |
The 2026 property tax bill for 314 Downing Dr was $2,714, down 42.1% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Kings Mountain City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,714.00 (-42.1%) | $457,293 (-) Land $43,740 Building $413,553 | $457,293 (-) Land $43,740 Building $413,553 |
| 2025 | $4,687.00 | $457,293 Land $43,740 Building $413,553 | $457,293 Land $43,740 Building $413,553 |
| 2023 | $231,799 Land $34,992 Building $196,807 | $231,799 Land $34,992 Building $196,807 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Downing Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.
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 |
| Nearby Flood Claims | 1 (1991) |
| Most Recent Claim | May 1991 · rainfall accumulation |
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 risk around 314 Downing 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 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 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 | TOWN OF KINGS MOUNTAIN serves 14,784 people · EPA ID NC0123020 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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