Cleveland County property record for 411 Phillips Dr, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 1,510 sqft · built 1980 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Oct 2026) |
| Tax Bill | $1,425 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Construction Loan Jan 2024 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15802 |
| Primary APN | 15802 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,510 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Shed Roof |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Shed | 1 Shed |
| Storage Building | 84 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1284776 |
|---|---|
| Street Address | 411 PHILLIPS DR |
| City | CHERRYVILLE |
| State | NC |
| Zip | 28021-9495 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA3 |
| Legal Description | .46AC OFF RD 1912 |
| Legal Subdivision | STROUP |
| Legal Block | 1 |
| Legal Lot Number | 57 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 950301 |
Source: Cleveland County records, as of October 22, 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 | 411 CROWN CREEK DR, CHERRYVILLE, NC 28021-3062 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2026 | Warranty Deed, Construction Loan · Construction Mortgage FIRST FSB/LINCOLNTON |
| Jan 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage JOLT CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2026 · Amount on Record |
| Deed Sale | Oct 7, 2026 · Amount on Record |
| Deed Document Number | 2026200134545 |
| Deed Book / Page | 1986 / 867 |
| Prior Transfer Date | Sep 4, 2012 |
| Prior Transfer Doc | 0016421334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Oct 7, 2026 |
| Property Address | 411 PHILLIPS DR, CHERRYVILLE, NC 28021-9495 |
| Document Number | 0200134545 |
| Book / Page | 1986 / 867 |
| Instrument Date | Oct 5, 2026 |
| Instrument | 2026200134545 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 411 CROWN CREEK DR, CHERRYVILLE, NC 28021-3062 |
| Document Number | 0200134546, |
|---|---|
| Date | Oct 7, 2026 |
| Instrument | 2026200134546 |
| Name | FIRST FSB/LINCOLNTON |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 7, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 411 PHILLIPS DR, CHERRYVILLE, NC 28021-9495 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0019132350 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 1913/2350 |
| Instrument | 200096292 |
| Name | JOLT CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | CHERRYVILLE, NC 28021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Feb 27, 2038 |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Waco Town |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,425.00 (+3.11%) | $159,791 (-) Land $14,241 Building $145,550 | $159,791 (-) Land $14,241 Building $145,550 |
| 2025 | $1,382.00 | $159,791 (+71.95%) Land $14,241 Building $145,550 | $159,791 (+71.95%) Land $14,241 Building $145,550 |
| 2023 | $92,928 Land $9,936 Building $82,992 | $92,928 Land $9,936 Building $82,992 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 100 / 20 |
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