Cleveland County property record for 705 Stone St, Kings Mountain, NC 28086
| Property Type | Single Family Home |
|---|---|
| Details | 1,128 sqft · built 1948 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Dec 2022) |
| Tax Bill | $1,028 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13451 |
| Primary APN | 13451 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,128 sqft Finished Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 9,500 sqft (0.218 acres) |
| Lot Dimensions | 95 ft deep x 100 ft wide |
| Porch | Slab |
| Porch Area | 94 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1353230 |
|---|---|
| Street Address | 705 STONE ST |
| City | KINGS MOUNTAIN |
| State | NC |
| Zip | 28086-2569 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | LOT STONE ST |
| Legal Subdivision | MRS C M WHITESIDES PROPERTY |
| Legal Block | 5 |
| Legal Lot Number | 2 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 950500 |
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 | 705 STONE ST, KINGS MOUNTAIN, NC 28086-2569 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2024 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Dec 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on Record |
| Deed Sale | Dec 13, 2022 · Amount on Record |
| Deed Document Number | 2022200081816 |
| Deed Book / Page | 1888 / 2323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 705 STONE ST, KINGS MOUNTAIN, NC 28086-2569 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 705 STONE ST, KINGS MOUNTAIN, NC 28086-2569 |
| Document Number | 0019150737 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 1915/737 |
| Instrument | 200097085 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Dec 13, 2022 |
| Property Address | 705 STONE ST, KINGS MOUNTAIN, NC 28086-2569 |
| Document Number | 0018882323 |
| Book / Page | 1888 / 2323 |
| Instrument Date | Dec 13, 2022 |
| Instrument | 200081816 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 233 WRIGHT RD, KINGS MOUNTAIN, NC 28086-8938 |
| Name | Verified Name |
|---|---|
| Address | 705 STONE ST, KINGS MOUNTAIN, NC 28086-2569 |
| Document Number | 0018882326 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 1888/2326 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Kings Mountain City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,028.00 (-28.81%) | $140,963 (-) Land $18,000 Building $122,963 | $140,963 (-) Land $18,000 Building $122,963 |
| 2025 | $1,444.00 | $140,963 (+104.04%) Land $18,000 Building $122,963 | $140,963 (+104.04%) Land $18,000 Building $122,963 |
| 2023 | $69,086 Land $16,800 Building $52,286 | $69,086 Land $16,800 Building $52,286 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 | TOWN OF KINGS MOUNTAIN serves 14,784 people · EPA ID NC0123020 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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