Cleveland County property record for 416 Phillips Dr, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 1,520 sqft · built 1983 |
| Lot Size | 1.01 acres (44,389 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,771 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Dec 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 15764 |
| Primary APN | 15764 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,520 sqft Finished Area |
| Basement Area | 1,520 sqft |
| Unfinished Basement | 1,520 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick |
| Lot Area | 44,389 sqft (1.01 acres) |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 168 sqft |
| Storage Building | 88 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1343830 |
|---|---|
| Street Address | 416 PHILLIPS DR |
| City | CHERRYVILLE |
| State | NC |
| Zip | 28021-9496 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA3 |
| Legal Description | #19 STROUP SD STROUP DR LIFE ESTATE |
| Legal Subdivision | STROUP |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 950301 |
Source: Cleveland County records, as of August 18, 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 | 416 PHILLIPS DR, CHERRYVILLE, NC 28021-9496 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK |
| Dec 6, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 17, 2021 |
| Transfer Doc | 0018591293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 416 PHILLIPS DR, CHERRYVILLE, NC 28021-9496 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 416 PHILLIPS DR, CHERRYVILLE, NC 28021-9496 |
| Document Number | 0018571556 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 1857/1556 |
| Instrument | 200064303 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Dec 6, 2021 |
| Property Address | 416 PHILLIPS DR, CHERRYVILLE, NC 28021-9496 |
| Document Number | 0018591293 |
| Book / Page | 1859 / 1293 |
| Map Reference | MB 11 |
| Instrument Date | Nov 17, 2021 |
| Instrument | 200065316 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 416 PHILLIPS DR, 416, CHERRYVILLE, NC 28021-9496 |
| Name | Verified Name |
|---|---|
| Address | 120 JOSEPH ST, CENTRAL, SC 29630-9275 |
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 | $204,843 (-) Land $21,500 Building $183,343 | $204,843 (-) Land $21,500 Building $183,343 | |
| 2025 | $1,771.00 | $204,843 (+35.95%) Land $21,500 Building $183,343 | $204,843 (+35.95%) Land $21,500 Building $183,343 |
| 2023 | $150,680 Land $15,000 Building $135,680 | $150,680 Land $15,000 Building $135,680 |
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 63% of the US · above 51% 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 | 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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