1003 W Sumter St, Shelby, NC 28150 Property Records

Cleveland County property record for 1003 W Sumter St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,793 sqft · built 1957
Lot Size	0.551 acres (24,000 sqft)
Owner	Individual Name on Record
Last Sale	$149,000 (Nov 2018)
Tax Bill	$2,760 (2026)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21540`

Property Details

APN / Parcel Number

Primary APN	`21540`
Alternative APN	`1322119`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,793 sqft Finished Area
Basement Area	1,630 sqft
Unfinished Basement	1,630 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	24,000 sqft (0.551 acres)
Lot Dimensions	240 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	600 sqft
Carport	Carport
Carport Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1322119
Street Address	1003 W SUMTER ST
City	SHELBY
State	NC
Zip	28150-4338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LOT W SUMTER ST
Legal Subdivision	SURVEY FOR JASON D GRAGG
Legal Block	2
Legal Lot Number	W
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1027
Census Tract	951100

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	Individual Name on Record
Mailing Address	202 PARK VALLEY LN, CARY, NC 27519-6648
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Deed Document Number	2018200019912
Deed Book / Page	1779 / 2153
Prior Transfer Date	Jun 25, 2009
Prior Transfer Doc	0015781508
Record Updated	Oct 29, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Nov 5, 2018
Property Address	1003 W SUMTER ST, SHELBY, NC 28150-4338
Document Number	0017792153
Book / Page	1779 / 2153
Instrument Date	Nov 2, 2018
Instrument	200019912
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$298.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1406, SHELBY, NC 28151-1406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 W SUMTER ST, SHELBY, NC 28150-4338

Mortgage

Document Number	0200019913
Date	Nov 5, 2018
Instrument	200019913

Lender

Name	THE FIDELITY BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,760.00 (+1.36%)	$273,766 (-) Land $32,205 Building $241,561	$273,766 (-) Land $32,205 Building $241,561
2025	$2,723.00	$273,766 (+65.65%) Land $32,205 Building $241,561	$273,766 (+65.65%) Land $32,205 Building $241,561
2023		$165,264 Land $28,250 Building $137,014	$165,264 Land $28,250 Building $137,014

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2021 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.06% 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	CITY OF SHELBY serves 23,600 people · EPA ID NC0123010
Water Source	Surface water
Last State Inspection	Apr 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 111 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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