705 E Main St, Cleveland, NC 27013 Property Records

Rowan County property record for 705 E Main St, Cleveland, NC 27013

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,286 sqft · built 1946
Lot Size	0.44 acres (19,296 sqft)
Owner	Company Name on Record
Last Sale	$136,000 (Sep 2026)
Tax Bill	$1,397 (2026)
Deeds & Mortgages	Sep 2026 Foreclosure Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`250 097`

Property Details

APN / Parcel Number

Primary APN	`250 097`
Alternative APN	`6309465`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,286 sqft Living Area
1st Floor Area	1,307 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Lot Area	19,296 sqft (0.44 acres)
Lot Dimensions	268 ft deep x 72 ft wide
Porch	Porch
Porch Area	154 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	705 E MAIN ST
City	CLEVELAND
State	NC
Zip	27013-8418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15:SINGLE
Legal Subdivision	PROPERTY/ADA STOCKTON
Jurisdiction	ROWAN NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2006
Census Tract	51904

Owner

Source: Rowan County records, as of October 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	150 3RD AVE S, 900, NASHVILLE, TN 37201-2034
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Trustee's Deed, Foreclosure NONE LISTED ON DOCUMENT
Jul 26, 2023	Warranty Deed, Transfer · Commercial Mortgage MONROE UNION COUNTY CDC
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage SHARONVIEW FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Jul 26, 2023 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1491 / 793
Prior Transfer Date	Sep 23, 2026
Prior Transfer Doc	1491000793
Record Updated	Oct 29, 2026

September 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 30, 2026
Property Address	705 E MAIN ST, CLEVELAND, NC 27013-8418
Document Number	1491000793
Book / Page	1491 / 793
Instrument Date	Sep 23, 2026
Transaction Type	Foreclosure
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$27,472.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	150 3RD AVE S, 900, NASHVILLE, TN 37201-2034

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 26, 2023
Property Address	705 E MAIN ST, CLEVELAND, NC 27013-8418
Document Number	0014270028
Book / Page	1427 / 28
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	EXECUTIVE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	259 LONG BOW RD, SALISBURY, NC 28144-1223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	705 E MAIN ST, CLEVELAND, NC 27013-8418

Mortgage

Document Number	0000142730
Date	Jul 26, 2023
Instrument	1427/30

Lender

Name	MONROE UNION COUNTY CDC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0014270029
Date	Jul 26, 2023
Book Page	1427/29

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	705 E MAIN ST, CLEVELAND, NC 27013-8418
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013100114
Date	May 31, 2018
Book Page	1310/0114

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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	$1,397.00	$158,785 (-) Land $28,000 Building $130,785	$158,785 (-) Land $28,000 Building $130,785
2025	$1,397.00 (+12.21%)	$158,785 (+12.23%) Land $28,000 Building $130,785
2023	$1,245.00 (+40.68%)	$141,483 (+49.8%) Land $28,000 Building $113,483	$158,785 (+68.12%) Land $28,000 Building $130,785
2022	$885.00	$94,449 Land $21,000 Building $73,449	$94,449 Land $21,000 Building $73,449

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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