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403 Cherry St, Kings Mountain, NC 28086 Property Records

Cleveland County property record for 403 Cherry St, Kings Mountain, NC 28086

Property Summary

Property TypeResidential Vacant Land
Details1,706 sqft · built 2025
Lot Size0.197 acres (8,600 sqft)
Owner2 Individual Names on File
Last Sale$250,000 (Jul 2026)
Tax Bill$2,663 (2026)
Deeds & MortgagesJul 2026 Sale & Mortgage
May 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APN1100505

Property Details

APN / Parcel Number

Primary APN1100505
Alternative APNs
  • 1261880
  • 7158

Interior

Building Area1,706 sqft Living Area

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Exterior MaterialAluminum/Vinyl
Lot Area8,600 sqft (0.197 acres)
Lot Dimensions100 ft deep x 86 ft wide

Location & Zoning

Account Number1100505
Street Address403 CHERRY ST
CityKINGS MOUNTAIN
StateNC
Zip28086-2412
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeR6
Legal Description#59 PB5-46 CHERRY ST
Legal SubdivisionPHENIX MILL
Legal Tract5
Legal Block8
Legal Lot Number4
JurisdictionCLEVELAND NC
Township / Civil DivisionCLEVELAND
Census Block Group2
Census Block2027
Census Tract950500

Owner

403 Cherry St, residential vacant land, is owned and occupied by two individuals who bought it in July 2026.

Source: Cleveland County records, as of October 20, 2026

Owner of Record2 Individual Names on File
Mailing Address403 CHERRY ST, KINGS MOUNTAIN, NC 28086-2412
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 7, 2026Special Warranty Deed · Conventional Mortgage
ATLANTIC BAY MORTGAGE
May 15, 2026Deed of Trust, Mortgage · Line of Credit
ALL PRO FUNDING III LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 7, 2026 · Amount on File
Deed SaleJul 7, 2026 · Amount on File
Prior SaleJun 30, 2025 · Amount on File
Deed Document Number2026200130669
Deed Book / Page1978 / 2340
Prior Transfer DateSep 26, 2023
Prior Transfer Doc0200092591
Record UpdatedOct 29, 2026

July 2026: Special Warranty Deed

Document TypeSpecial Warranty Deed
JurisdictionCLEVELAND NC
Recording DateJul 7, 2026
Property Address403 CHERRY ST, KINGS MOUNTAIN, NC 28086-2412
Document Number0200130669
Book / Page1978 / 2340
Instrument DateJul 7, 2026
Instrument2026200130669
Record UpdatedJul 17, 2026
Title CompanyINVESTORS LAND TITLE, INVESTORS TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$50,500.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 CHERRY ST, KINGS MOUNTAIN, NC 28086-2412

Mortgage

Document Number0200130670,
DateJul 7, 2026
Instrument2026200130670
Lender
NameATLANTIC BAY MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueAug 1, 2046
Interest
Rate TypeFixed Rate
Rate6.51%
Initial TypeFixed Rate
Max Rate-1%

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLEVELAND NC
Recording DateMay 15, 2026
Property Address403 CHERRY ST, KINGS MOUNTAIN, NC 28086-2412
Document Number0200128442
Book / Page1974 / 1395
Instrument DateMay 15, 2026
Instrument2026200128442
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address8605 EXPLORER DR, 250, COLORADO SPRINGS, CO 80920-1013
InvestorPossibly a Property Investor

Mortgage

Document Number0200128442,
DateMay 15, 2026
Book Page1974/1395
Instrument2026200128442
Lender
NameALL PRO FUNDING III LLC
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate6.3%
Max Rate-1%

Tax Assessment & Valuation

The 2026 property tax bill for 403 Cherry St was $2,663, up 3,996.9% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCleveland County
MunicipalityKings Mountain City
Unified School DistrictCleveland County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,663.00 (+3,996.92%)$256,237 (+3,937.77%) Land $8,462 Building $247,775$256,237 (+3,937.77%) Land $8,462 Building $247,775
2025$65.00$6,346 Land $6,346$6,346 Land $6,346
2023$5,183 Land $5,183$5,183 Land $5,183

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 403 Cherry St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 403 Cherry St is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

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 SystemTOWN OF KINGS MOUNTAIN
serves 14,784 people · EPA ID NC0123020
Water SourceSurface water
Last State InspectionMay 2026
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2025
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 173 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Ripple Fiber
Fiber		2,000 / 2,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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