815 3rd St, Kings Mountain, NC 28086 Property Records

Cleveland County property record for 815 3rd St, Kings Mountain, NC 28086

Property Summary

Property Type	Single Family Home
Details	1,248 sqft · built 1900
Lot Size	0.158 acres (6,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Apr 2025)
Tax Bill	$1,664 (2026)
Deeds & Mortgages	May 2023 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1356409`

Property Details

APN / Parcel Number

Primary APN	`1356409`
Alternative APNs	`1309591` `8403`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,248 sqft Finished Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	6,890 sqft (0.158 acres)
Lot Dimensions	106 ft deep x 65 ft wide
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1356409
Street Address	815 3RD ST
City	KINGS MOUNTAIN
State	NC
Zip	28086-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	#38 CORA MILLS SD PB2-95 THIRD ST
Legal Subdivision	CORA MILLS SD
Legal Block	3
Legal Lot Number	4
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1039
Census Tract	950500

Owner

Source: Cleveland County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	815 3RD ST, KINGS MOUNTAIN, NC 28086-2129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Warranty Deed, Transfer
Mar 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE OZARKS
Mar 1, 2021	Warranty Deed, Transfer · Line of Credit BANK OF THE OZARKS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2025 · Amount on Record
Deed Sale	Apr 23, 2025 · Amount on Record
Prior Sale	May 12, 2023 · Amount on Record
Deed Document Number	2025200112902
Deed Book / Page	1944 / 2299
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 12, 2023
Property Address	815 3RD ST, KINGS MOUNTAIN, NC 28086-2129
Document Number	0018980891
Book / Page	1898 / 891
Map Reference	MB 2 PG 95
Instrument Date	May 12, 2023
Instrument	200087244
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2244, SHELBY, NC 28151-2244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 ESSEX AVE, GASTONIA, NC 28052-1904

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	815 3RD ST, KINGS MOUNTAIN, NC 28086-2129
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018341432
Date	Mar 1, 2021
Book Page	1834/1432
Instrument	200051565

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	SHELBY, NC 28150

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 1, 2021
Property Address	815 3RD ST, KINGS MOUNTAIN, NC 28086-2129
Document Number	0018341406
Book / Page	1834 / 1406
Map Reference	MB 2 PG 95
Instrument Date	Mar 1, 2021
Instrument	200051563
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5265 HICKORY KNOLL LN, 5265, MOUNT HOLLY, NC 28120-9344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2244, SHELBY, NC 28151-2244
Investor	Possibly a Property Investor

Mortgage

Document Number	0018341414
Date	Mar 1, 2021
Book Page	1834/1414
Instrument	200051564

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	LITTLE ROCK, AR 72231

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,664.00 (+2.59%)	$158,319 (-) Land $11,180 Building $147,139	$158,319 (-) Land $11,180 Building $147,139
2025	$1,622.00	$158,319 (+346.14%) Land $11,180 Building $147,139	$158,319 (+346.14%) Land $11,180 Building $147,139
2023		$35,486 Land $6,708 Building $28,778	$35,486 Land $6,708 Building $28,778

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	0.01% annual chance
Exposure	Indirect within ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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