Gaston County property record for 406 N Cherry St, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,583 sqft · built 1962 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $208,500 (Jul 2021) |
| Tax Bill | $2,354 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 131065 |
| Primary APN | 131065 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,583 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Porch | Porch |
| Porch Area | 8 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 N CHERRY ST |
|---|---|
| City | CHERRYVILLE |
| State | NC |
| Zip | 28021-2606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEN BLACK ESTATE L 22 06 015 005 00 000 |
| Legal Subdivision | BEN BLACK ESTATE |
| Jurisdiction | GASTON NC |
| Township / Civil Division | CHERRYVILLE |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 30601 |
406 N Cherry St is owned and occupied by two individuals who bought it in July 2021.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 N CHERRY ST, CHERRYVILLE, NC 28021-2606 |
| 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.
| Date | Document |
|---|---|
| Jul 1, 2021 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 19, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Jun 7, 2017 | Warranty Deed, Transfer · VA Mortgage PRIME MORTGAGE LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2021 · Amount on File |
| Deed Sale | Jul 1, 2021 · Amount on File |
| Prior Sale | Jun 7, 2017 · Amount on File |
| Deed Book / Page | 5242 / 2454 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jul 1, 2021 |
| Property Address | 406 N CHERRY ST, CHERRYVILLE, NC 28021-2606 |
| Document Number | 0052422454 |
| Book / Page | 5242 / 2454 |
| Map Reference | MB 15 PG 39 |
| Instrument Date | Jun 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $417.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2610 CLAYTON LN, 2610, MAIDEN, NC 28650-8568 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 52422457 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 5242/2457 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 406 N CHERRY ST, CHERRYVILLE, NC 28021-2606 |
| Document Number | 0051100916 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 406 N CHERRY ST CHERRYVILLE NC 280212606, CHERRYVILLE, NC 28021-2606 |
| Document Number | 0051100916 |
|---|---|
| Date | Mar 24, 2020 |
| Book Page | 005110/000916 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 23, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jun 7, 2017 |
| Property Address | 406 N CHERRY ST, CHERRYVILLE, NC 28021-2606 |
| Document Number | 0049152068 |
| Book / Page | 4915 / 2068 |
| Map Reference | PL 15 PG 39 |
| Instrument Date | Jun 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 357 MULL RD, LINCOLNTON, NC 28092-8381 |
| Document Number | 49152070 |
|---|---|
| Date | Jun 7, 2017 |
| Instrument | 4915/2070 |
| Name | PRIME MORTGAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2026 property tax bill for 406 N Cherry St was $2,354.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Cherryville City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,354.00 | $218,220 Land $15,000 Building $203,220 | |
| 2023 | $2,378.00 | $218,220 Land $15,000 Building $203,220 | |
| 2021 | $135,930 Land $13,000 Building $122,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 N Cherry St in Zone X, an area of minimal flood risk.
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 risk around 406 N Cherry St is low, with a 0.02% annual chance of 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 | Indirect within ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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