320 S Main St, Waco, NC 28169 Property Records

Cleveland County property record for 320 S Main St, Waco, NC 28169

Property Summary

Property Type	Single Family Home
Details	1,512 sqft · built 2019
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,000 (Jan 2019)
Tax Bill	$1,209 (2026)
Deeds & Mortgages	Sep 2019 Loan Modification Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55969`

Property Details

APN / Parcel Number

Primary APN	`55969`
Alternative APN	`1323332`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,512 sqft Finished Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	21,780 sqft (0.5 acres)
Deck Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1323332
Street Address	320 S MAIN ST
City	WACO
State	NC
Zip	28169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA3
Legal Description	TR#1 PB24-10
Legal Subdivision	WACO CITY LIMITS
Legal Tract	1
Legal Block	1
Legal Lot Number	162
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1053
Census Tract	950301

Owner

Source: Cleveland County records, as of September 23, 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 Record
Mailing Address	PO BOX 67, WACO, NC 28169-0067
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2019	Loan Modification, Mortgage · FHA Mortgage VANDERBILT MTG & FIN
Jul 12, 2019	Deed of Trust, Mortgage · FHA Mortgage VANDERBILT MTG & FIN
Jan 29, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2019 · Amount on Record
Deed Sale	Jan 29, 2019 · Amount on Record
Deed Document Number	2019200022465
Deed Book / Page	1784 / 1786
Record Updated	Oct 29, 2026

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	320 S MAIN ST, WACO, NC 28169
Document Number	0017990462
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S MAIN ST WACO NC 28169, WACO, NC 28169

Mortgage

Document Number	0017990462
Date	Sep 25, 2019
Book Page	001799/000462
Instrument	30884

Lender

Name	VANDERBILT MTG & FIN
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

Interest

Rate	3.25%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	320 S MAIN ST, WACO, NC 28169
Document Number	0017950607
Instrument Date	Jul 12, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	320 S MAIN ST WACO NC 28169, WACO, NC 28169

Mortgage

Document Number	0017950607
Date	Jul 17, 2019
Book Page	001795/000607
Instrument	28428

Lender

Name	VANDERBILT MTG & FIN
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 29, 2019
Property Address	320 S MAIN ST, WACO, NC 28169
Document Number	0017841786
Book / Page	001784 / 001786
Instrument Date	Jan 24, 2019
Instrument	22465
Transaction Type	Transfer
Record Updated	Feb 21, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$16.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 67 WACO NC 281690067, WACO, NC 28169-0067

Tax Assessment & Valuation

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	$1,209.00 (-0.49%)	$140,476 (-) Land $15,000 Building $125,476	$140,476 (-) Land $15,000 Building $125,476
2025	$1,215.00	$140,476 (+65.4%) Land $15,000 Building $125,476	$140,476 (+65.4%) Land $15,000 Building $125,476
2023		$84,931 Land $9,000 Building $75,931	$84,931 Land $9,000 Building $75,931

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

Flood

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

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

Wildfire Risk	Low lower than 64% of the US · above 50% 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 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.

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