Cleveland County property record for 431 Bethlehem Rd, Kings Mountain, NC 28086
| Property Type | Single Family Home |
|---|---|
| Details | 1,836 sqft · built 2023 |
| Lot Size | 5.83 acres (253,955 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (May 2022) |
| Tax Bill | $1,852 (2026) |
| Deeds & Mortgages | Mar 2024 Construction Loan Sep 2023 Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 49218 |
| Primary APN | 49218 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,836 sqft Total Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 253,955 sqft (5.83 acres) |
| Heating System | HVAC |
|---|
| Account Number | 1348171 |
|---|---|
| Street Address | 431 BETHLEHEM RD |
| City | KINGS MOUNTAIN |
| State | NC |
| Zip | 28086-9529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | 5.83AC OFF RD2245 PB48-48 |
| Legal Subdivision | BETHLEHEM |
| Legal Tract | A |
| Legal Block | 1 |
| Legal Lot Number | 70 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 950601 |
431 Bethlehem Rd is owned by two individuals who bought it in May 2022.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1823 SAINT MARKS CHURCH RD, CROUSE, NC 28033-9614 |
| 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 |
|---|---|
| Mar 21, 2024 | Deed of Trust, Mortgage · Construction Mortgage SOUTHWEST STAGE FUNDING LLC |
| Sep 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage SOUTHWEST STAGE FUNDING LLC |
| May 27, 2022 | Warranty Deed, Transfer · Closed-End Mortgage BELMONT SAVINGS BANK SSB |
| Jan 7, 2022 | Warranty Deed, Transfer |
| Dec 21, 2021 | Warranty Deed, Transfer |
| Jan 29, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2022 · Amount on File |
| Deed Sale | May 27, 2022 · Amount on File |
| Prior Sale | Jan 7, 2022 · Amount on File |
| Deed Document Number | 2022200073537 |
| Deed Book / Page | 1874 / 107 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 431 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-9529 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0019171209 |
|---|---|
| Date | Mar 21, 2024 |
| Book Page | 1917/1209 |
| Instrument | 200098342 |
| Name | SOUTHWEST STAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 2701 E INSIGHT WAY STE 150, CHANDLER, AZ 85286 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Rate | 6.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 431 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-9529 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1823 SAINT MARKS CHURCH RD, CROUSE, NC 28033-9614 |
| Document Number | 0019061623 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 1906/1623 |
| Instrument | 200092037 |
| Name | SOUTHWEST STAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85286 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 367 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 27, 2022 |
| Property Address | 431 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-9529 |
| Document Number | 0018740107 |
| Book / Page | 1874 / 107 |
| Instrument Date | May 24, 2022 |
| Instrument | 200073537 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1243 PINEY CHURCH RD, CONCORD, NC 28025-8518 |
| Name | Verified Name |
|---|---|
| Address | 436 WEBB RD, SHELBY, NC 28152-9000 |
| Document Number | 0001874111 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 1874/111 |
| Name | BELMONT SAVINGS BANK SSB |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jan 7, 2022 |
| Property Address | 431 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-9529 |
| Document Number | 0018620579 |
| Book / Page | 1862 / 579 |
| Instrument Date | Jan 3, 2022 |
| Instrument | 200066782 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 126 SCALYBARK TRL, CONCORD, NC 28027-7549 |
| Name | Verified Name |
|---|---|
| Address | 1243 PINEY CHURCH RD, CONCORD, NC 28025-8518 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Dec 21, 2021 |
| Property Address | 431 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-9529 |
| Document Number | 0018602279 |
| Book / Page | 1860 / 2279 |
| Instrument Date | Dec 20, 2021 |
| Instrument | 200066062 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $48.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1445, WHITEFISH, MT 59937-1445 |
| Name | Verified Name |
|---|---|
| Address | 126 SCALYBARK TRL, CONCORD, NC 28027-7549 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jan 29, 2020 |
| Property Address | 427 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-9529 |
| Document Number | 0018061295 |
| Book / Page | 001806 / 001295 |
| Instrument Date | Jan 28, 2020 |
| Instrument | 35393 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $16.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1445 WHITEFISH MT 599371445, WHITEFISH, MT 59937-1445 |
The 2026 property tax bill for 431 Bethlehem Rd was $1,852, up 4% 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 | $1,852.00 (+3.99%) | $280,556 (-) Land $44,199 Building $236,357 | $280,556 (-) Land $44,199 Building $236,357 |
| 2025 | $1,781.00 | $280,556 Land $44,199 Building $236,357 | $280,556 Land $44,199 Building $236,357 |
| 2023 | $13,411 Land $13,411 | $13,411 Land $13,411 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 431 Bethlehem Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 5, 2020
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 431 Bethlehem Rd is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% 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 17 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 |
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