6203 Wards Gap Rd, Casar, NC 28020 Property Records

Cleveland County property record for 6203 Wards Gap Rd, Casar, NC 28020

Property Summary

Property Type	Single Family Home
Details	1,805 sqft · built 1990
Lot Size	4.29 acres (187,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jan 2021)
Tax Bill	$1,516 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44516`

Property Details

APN / Parcel Number

Primary APN	`44516`
Alternative APN	`1338149`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,805 sqft Finished Area
Upper Floors Area	743 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2012
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Material	Metal
Lot Area	187,134 sqft (4.29 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1338149
Street Address	6203 WARDS GAP RD
City	CASAR
State	NC
Zip	28020-7739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	4.296 AC RD 1545
Legal Subdivision	TOWNSHIP OF NUMBER
Legal Block	1
Legal Lot Number	53
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	4
Census Block	4014
Census Tract	950101

Owner

Source: Cleveland County records, as of September 23, 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	6203 WARDS GAP RD, CASAR, NC 28020-7739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE EXPRESS LLC
Jun 10, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 5, 2021	Warranty Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC
May 30, 2019	Loan Modification, Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2021 · Amount on Record
Deed Sale	Jan 5, 2021 · Amount on Record
Prior Sale	Sep 8, 2006 · Amount on Record
Deed Document Number	2021200049077
Deed Book / Page	1830 / 777
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Jul 22, 2026
Property Address	6203 WARDS GAP RD, CASAR, NC 28020-7739
Document Number	0200131295
Book / Page	1979 / 2630
Instrument Date	Jul 17, 2026
Instrument	2026200131295
Transaction Type	Mortgage
Record Updated	Aug 3, 2026
Title Company	MADISON SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6203 WARDS GAP RD, CASAR, NC 28020-7739

Mortgage

Document Number	0200131295,
Date	Jul 22, 2026
Book Page	1979/2630
Instrument	2026200131295

Lender

Name	MORTGAGE EXPRESS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	6203 WARDS GAP RD, CASAR, NC 28020-7739
Transaction Type	Mortgage
Record Updated	Nov 11, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6203 WARDS GAP RD, CASAR, NC 28020-7739

Mortgage

Document Number	0018750607
Date	Jun 10, 2022
Book Page	1875/607
Instrument	200074192

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Feb 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 5, 2021
Property Address	6203 WARDS GAP RD, CASAR, NC 28020-7739
Document Number	0018300777
Book / Page	1830 / 777
Instrument Date	Jan 5, 2021
Instrument	200049077
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1628 BIRD CAGE RD, 1628, CHADBOURN, NC 28431-9585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6203 WARD GAP RD, CASAR, NC 28020-7739

Mortgage

Document Number	0001830780
Date	Jan 5, 2021
Instrument	1830/780

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	6203 WARDS GAP RD, CASAR, NC 28020-7739
Document Number	0017942969
Instrument Date	May 30, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6203 WARD GAP RD CASAR NC 280207739, CASAR, NC 28020-7739

Mortgage

Document Number	0017942969
Date	Jul 15, 2019
Book Page	001794/002969
Instrument	28300

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

Interest

Rate	4.62%

Tax Assessment & Valuation

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,516.00 (+5.06%)	$227,337 (-) Land $40,801 Building $186,536	$227,337 (-) Land $40,801 Building $186,536
2025	$1,443.00	$227,337 (+16.8%) Land $40,801 Building $186,536	$227,337 (+16.8%) Land $40,801 Building $186,536
2023		$194,634 Land $30,264 Building $164,370	$194,634 Land $30,264 Building $164,370

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% 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	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

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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