Cleveland County property record for 423 Bell Rd, Kings Mountain, NC 28086
| Property Type | Single Family Home |
|---|---|
| Details | 1,796 sqft · built 1974 |
| Lot Size | 1 acres (43,758 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $159,000 (Mar 2018) |
| Tax Bill | $1,661 (2026) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14096 |
| Primary APN | 14096 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,796 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 43,758 sqft (1 acres) |
| Lot Dimensions | 221 ft deep x 198 ft wide |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 648 sqft |
| Porch | Slab |
| Porch Area | 130 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1340002 |
|---|---|
| Street Address | 423 BELL RD |
| City | KINGS MOUNTAIN |
| State | NC |
| Zip | 28086-7790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | #5 & 6 BLK B FORTENBERRY |
| Legal Subdivision | PHIFER WARE |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 950302 |
423 Bell Rd is owned and occupied by two individuals who bought it in March 2018.
Source: Cleveland County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 423 BELL RD, KINGS MOUNTAIN, NC 28086-7790 |
| 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 |
|---|---|
| Jun 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK |
| Aug 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Mar 28, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2018 · Amount on File |
| Deed Sale | Mar 28, 2018 · Amount on File |
| Deed Document Number | 201811819 |
| Deed Book / Page | 1764 / 363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jun 1, 2021 |
| Property Address | 423 BELL RD, KINGS MOUNTAIN, NC 28086-7790 |
| Document Number | 0018421006 |
| Book / Page | 1842 / 1006 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 200055961 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $464.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 423 BELL RD, 423, KINGS MOUNTAIN, NC 28086-7790 |
| Name | Verified Name |
|---|---|
| Address | 510 WACO RD, KINGS MOUNTAIN, NC 28086-2824 |
| Document Number | 18421009 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 1842/1009 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 423 BELL RD, KINGS MOUNTAIN, NC 28086-7790 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0018190186 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 1819/186 |
| Instrument | 200042738 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 332 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 28, 2018 |
| Property Address | 423 BELL RD, KINGS MOUNTAIN, NC 28086-7790 |
| Document Number | 0017640363 |
| Book / Page | 001764 / 000363 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 11819 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 BELL RD KINGS MOUNTAIN NC 280867790, KINGS MOUNTAIN, NC 28086-7790 |
| Document Number | 17640366 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 001764/000366 |
| Instrument | 11820 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 27, 2048 |
The 2026 property tax bill for 423 Bell Rd was $1,661, up 4.5% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,661.00 (+4.53%) | $250,327 (-) Land $42,510 Building $207,817 | $250,327 (-) Land $42,510 Building $207,817 |
| 2025 | $1,589.00 | $250,327 Land $42,510 Building $207,817 | $250,327 Land $42,510 Building $207,817 |
| 2023 | $182,217 Land $39,154 Building $143,063 | $182,217 Land $39,154 Building $143,063 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 423 Bell Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 423 Bell Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 60 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 |
| AT&T DSL | 100 / 20 |
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