610 E Main St, Cleveland, NC 27013 Property Records

Rowan County property record for 610 E Main St, Cleveland, NC 27013

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,072 sqft · built 1900
Lot Size	0.39 acres (16,863 sqft)
Owner	Individual Name on Record
Last Sale	$166,000 (Jun 2022)
Tax Bill	$1,056 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`250 065`

Property Details

APN / Parcel Number

Primary APN	`250 065`
Alternative APN	`705428`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,072 sqft Living Area
1st Floor Area	1,022 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	16,863 sqft (0.39 acres)
Lot Dimensions	231 ft deep x 73 ft wide
Porch	Porch
Porch Area	185 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	610 E MAIN ST
City	CLEVELAND
State	NC
Zip	27013-8417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15:SINGLE
Legal Description	L 1
Legal Subdivision	EVA MAE HALL WOOD
Jurisdiction	ROWAN NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2033
Census Tract	51904

Owner

Source: Rowan County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	610 E MAIN ST, CLEVELAND, NC 27013-8417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage KENNETH RAMSEY
Sep 2, 2020	Warranty Deed, Transfer · Construction Mortgage THOMAS D DEEMED
Sep 10, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Prior Sale	Sep 2, 2020 · Amount on Record
Deed Book / Page	1405 / 120
Prior Transfer Date	Sep 9, 2019
Prior Transfer Doc	0013340250
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 30, 2022
Property Address	610 E MAIN ST, CLEVELAND, NC 27013-8417
Document Number	0014050120
Book / Page	1405 / 120
Map Reference	MB 9995 PG 3700
Instrument Date	Jun 29, 2022
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 COUNTRY MEADOWS LN, 104, KINGS MOUNTAIN, NC 28086-7783

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E MAIN ST, CLEVELAND, NC 27013-8417

Mortgage

Document Number	0001405121
Date	Jun 30, 2022
Instrument	1405/121

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.9%
Type Change Date	Jul 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.9%
Index	5-Year CMT
Max Rate	9.9%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	610 E MAIN ST, CLEVELAND, NC 27013-8417
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013920492
Date	Jan 5, 2022
Book Page	1392/492

Lender

Name	KENNETH RAMSEY
Type	Private Party
Address	PO BOX 30153, CHARLOTTE, NC 28230

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 2, 2020
Property Address	610 E MAIN ST, CLEVELAND, NC 27013-8417
Document Number	0013550725
Book / Page	001355 / 000725
Instrument Date	Aug 28, 2020
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$38.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	104 COUNTRY MEADOWS LN KINGS MOUNTAIN NC 280867783, KINGS MOUNTAIN, NC 28086-7783

Mortgage

Document Number	13550726
Date	Sep 2, 2020
Book Page	001355/000726

Lender

Name	THOMAS D DEEMED
Address	11405 BILLINGS AVE, LAFAYETTE, CO 80026-9611

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 1, 2021

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 10, 2019
Property Address	610 E MAIN ST, CLEVELAND, NC 27013-8417
Document Number	0013340250
Book / Page	001334 / 000250
Instrument Date	Aug 21, 2019
Transaction Type	Foreclosure
Record Updated	Sep 19, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$82.80
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	819 S WABASH AVE CHICAGO IL 606052188, CHICAGO, IL 60605-2188

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Cleveland Town
County	Rowan County
Unified School District	Rowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,056.00	$120,092 (-) Land $28,000 Building $92,092	$120,092 (-) Land $28,000 Building $92,092
2023	$1,056.00	$120,092 Land $28,000 Building $92,092	$120,092 Land $28,000 Building $92,092

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 10, 2024

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CLEVELAND serves 872 people · EPA ID NC0180050
Water Source	Groundwater
Last State Inspection	May 2024
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL in parts of the area	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Spectrum.

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