328 Phillips Dr, Cherryville, NC 28021 Property Records

Cleveland County property record for 328 Phillips Dr, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 1978
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jul 2023)
Tax Bill	$1,424 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15786`

Property Details

APN / Parcel Number

Primary APN	`15786`
Alternative APNs	`1059979` `1353521` `1358126`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,200 sqft Finished Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	30,056 sqft (0.69 acres)
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	104 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1358126
Street Address	328 PHILLIPS DR
City	CHERRYVILLE
State	NC
Zip	28021-9493
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA3
Legal Description	LOT STROUP SD
Legal Subdivision	STROUP
Legal Block	1
Legal Lot Number	41
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1039
Census Tract	950301

Owner

328 Phillips Dr is owned and occupied by two individuals who bought it in July 2023.

Source: Cleveland County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	328 PHILLIPS DR, CHERRYVILLE, NC 28021-9493
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023 · Amount on File
Deed Sale	Jul 31, 2023 · Amount on File
Deed Document Number	2023200090241
Deed Book / Page	1903 / 1585
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 31, 2023
Property Address	328 PHILLIPS DR, CHERRYVILLE, NC 28021-9493
Document Number	0019031585
Book / Page	1903 / 1585
Instrument Date	Jul 21, 2023
Instrument	200090241
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 422, EARL, NC 28038-0422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 PHILLIPS DR, CHERRYVILLE, NC 28021-9493

Mortgage

Document Number	0019031590
Date	Jul 31, 2023
Instrument	1903/1590

Lender

Name	TRUIST BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 328 Phillips Dr was $1,424, up 3.2% from the year before.

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	$1,424.00 (+3.19%)	$159,653 (-) Land $19,878 Building $139,775	$159,653 (-) Land $19,878 Building $139,775
2025	$1,380.00	$159,653 Land $19,878 Building $139,775	$159,653 Land $19,878 Building $139,775
2023		$92,096 (-) Land $13,144 Building $78,952	$92,096 (-) Land $13,144 Building $78,952
2022		$92,096 Land $13,144 Building $78,952	$92,096 Land $13,144 Building $78,952

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 328 Phillips Dr 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

Wildfire risk around 328 Phillips 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	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.

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 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