400 S Elm St, Cherryville, NC 28021 Property Records

Gaston County property record for 400 S Elm St, Cherryville, NC 28021

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 6,400 sqft · built 1940
Lot Size	1.18 acres (51,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Apr 2021)
Tax Bill	$8,725 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06011 10500`

Property Details

APN / Parcel Number

Primary APN	`06011 10500`
Alternative APN	`130581`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	6,400 sqft Heated Area
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	51,401 sqft (1.18 acres)
Porch	Porch
Porch Area	836 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	400 S ELM ST
City	CHERRYVILLE
State	NC
Zip	28021-3221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	06 011 105 00 000
Jurisdiction	GASTON NC
Township / Civil Division	CHERRYVILLE
Census Block Group	1
Census Block	1030
Census Tract	30700

Owner

Source: Gaston County records, as of August 31, 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	400 S ELM ST, CHERRYVILLE, NC 28021-3221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Apr 21, 2021	Warranty Deed, Transfer · VA Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2021 · Amount on Record
Deed Sale	Apr 21, 2021 · Amount on Record
Prior Sale	Oct 1, 2001 · Amount on Record
Deed Book / Page	5220 / 2480
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Jun 3, 2026
Property Address	400 S ELM ST, CHERRYVILLE, NC 28021-3221
Document Number	5645000317
Book / Page	5645 / 317
Instrument Date	May 26, 2026
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 S ELM ST, CHERRYVILLE, NC 28021-3221

Mortgage

Document Number	5645000317,
Date	Jun 3, 2026
Book Page	5645/317

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2066

Interest

Rate	6.3%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	400 S ELM ST, CHERRYVILLE, NC 28021-3221
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052000388
Date	Feb 18, 2021
Book Page	5200/388

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.79%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.79%
Index	Prime Rate
Max Rate	8.79%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Apr 21, 2021
Property Address	400 S ELM ST, CHERRYVILLE, NC 28021-3221
Document Number	0052202480
Book / Page	5220 / 2480
Instrument Date	Apr 21, 2021
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,070.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 SE 44TH ST, 109, OAK ISLAND, NC 28465-5500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 S ELM ST, CHERRYVILLE, NC 28021-3221

Mortgage

Document Number	0052202484
Date	Apr 21, 2021
Instrument	5220/2484

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Gaston County
Municipality	Cherryville City
Unified School District	Gaston County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,725.00 (-1.01%)	$808,650 (-) Land $22,210 Building $786,440
2023	$8,814.00	$808,650 Land $22,210 Building $786,440
2021			$458,170 Land $18,510 Building $439,660

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 September 1, 2026

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	CITY OF CHERRYVILLE serves 6,353 people · EPA ID NC0136030
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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