348 Jack Francis Rd, Earl, NC 28038 Property Records

Cleveland County property record for 348 Jack Francis Rd, Earl, NC 28038

Property Summary

Property Type	Single Family Home
Details	1,596 sqft · built 1991
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,683 (2026)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7456501`

Property Details

APN / Parcel Number

Primary APN	`7456501`
Alternative APN	`5859`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,596 sqft Finished Area
Basement Area	1,596 sqft
Unfinished Basement	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2003
Exterior Material	Brick
Foundation Type	Footing
Lot Area	57,935 sqft (1.33 acres)

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	176 sqft
Shed	1 Shed
Storage Building	400 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	7456501
Street Address	348 JACK FRANCIS RD
City	EARL
State	NC
Zip	28038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	1.33 AC RD 2224
Legal Subdivision	STATE LINE
Legal Block	1
Legal Lot Number	57
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1039
Census Tract	951601

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 319, EARL, NC 28038-0319
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	348 JACK FRANCIS RD, EARL, NC 28038
Document Number	0017530274
Book / Page	001753 / 000274
Instrument Date	Oct 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 JACK FRANCIS RD SHELBY NC 281520732, SHELBY, NC 28152-0732

Mortgage

Document Number	0017530274
Date	Oct 17, 2017
Book Page	001753/000274
Instrument	5960

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$1,683.00 (+4.47%)	$253,802 (-) Land $17,895 Building $235,907	$253,802 (-) Land $17,895 Building $235,907
2025	$1,611.00	$253,802 (+42.12%) Land $17,895 Building $235,907	$253,802 (+42.12%) Land $17,895 Building $235,907
2023		$178,588 Land $12,628 Building $165,960	$178,588 Land $12,628 Building $165,960

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 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.06% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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