Cleveland County property record for 401 Downing Dr, Kings Mountain, NC 28086
| Property Type | Single Family Home |
|---|---|
| Details | 2,517 sqft · built 1972 |
| Lot Size | 0.73 acres (31,678 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $484,000 (May 2026) |
| Tax Bill | $4,447 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Feb 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1361460 |
| Primary APN | 1361460 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,517 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 31,678 sqft (0.73 acres) |
| Lot Dimensions | 180 ft deep x 151 ft wide |
| Garage Type | Carport |
| Garage Area | 675 sqft |
| Carport | Carport |
| Carport Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 292 sqft |
| Deck Area | 40 sqft |
| Canopy | 108 sqft |
| Storage Building | 288 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1361460 |
|---|---|
| Street Address | 401 DOWNING DR |
| City | KINGS MOUNTAIN |
| State | NC |
| Zip | 28086-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | LT#4,PT#3&5BLKCPB10-58 ASHLEY |
| Legal Subdivision | KINGS MTN COUNTRY CLUB |
| Legal Block | 7 |
| Legal Lot Number | 4 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 950400 |
Source: Cleveland County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 401 DOWNING DR, KINGS MOUNTAIN, NC 28086-2607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2026 | Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE |
| Feb 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage FORT FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on Record |
| Deed Sale | May 6, 2026 · Amount on Record |
| Prior Sale | Feb 16, 2024 · Amount on Record |
| Deed Document Number | 2026200128023 |
| Deed Book / Page | 1973 / 1999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 6, 2026 |
| Property Address | 401 DOWNING DR, KINGS MOUNTAIN, NC 28086-2607 |
| Document Number | 0200128023 |
| Book / Page | 1973 / 1999 |
| Instrument Date | May 6, 2026 |
| Instrument | 2026200128023 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $97,768.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 DOWNING DR, KINGS MOUNTAIN, NC 28086-2607 |
| Document Number | 0200128024, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 2026200128024 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Feb 16, 2024 |
| Property Address | 401 DOWNING DR, KINGS MOUNTAIN, NC 28086-2607 |
| Document Number | 0019151274 |
| Book / Page | 1915 / 1274 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 200097189 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 DOWNING DR, KINGS MOUNTAIN, NC 28086-2607 |
| Document Number | 0200097190 |
|---|---|
| Date | Feb 16, 2024 |
| Instrument | 200097190 |
| Name | FORT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Number | 0019151287 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 1915/1287 |
| Instrument | 200097190 |
| Name | FORT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | 8815 LIMA RD, FORT WAYNE, IN 46818 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
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 | $4,447.00 (+0.63%) | $431,167 (-) Land $47,095 Building $384,072 | $431,167 (-) Land $47,095 Building $384,072 |
| 2025 | $4,419.00 | $431,167 (+83.12%) Land $47,095 Building $384,072 | $431,167 (+83.12%) Land $47,095 Building $384,072 |
| 2023 | $235,458 Land $37,676 Building $197,782 | $235,458 Land $37,676 Building $197,782 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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