1007 Earl St, Shelby, NC 28150 Property Records

Cleveland County property record for 1007 Earl St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	972 sqft · built 1920
Lot Size	0.344 acres (14,996 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Oct 2023)
Tax Bill	$946 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`22917`

Property Details

APN / Parcel Number

Primary APN	`22917`
Alternative APNs	`1338779` `1348697` `1359210`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	972 sqft Finished Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	14,996 sqft (0.344 acres)
Lot Dimensions	163 ft deep x 92 ft wide
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1359210
Street Address	1007 EARL ST
City	SHELBY
State	NC
Zip	28150-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	#70 PB296 EST MILL
Legal Subdivision	THE ESTHER MILL COMPANY PROPERTY
Legal Block	1
Legal Lot Number	11
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1035
Census Tract	950900

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	1007 EARL ST, SHELBY, NC 28150-4008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Warranty Deed, Transfer · VA Mortgage PRIMELENDING
Oct 11, 2023	Intrafamily Transfer, Transfer
Jan 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jul 15, 2022	Warranty Deed, Transfer
Feb 25, 2021	Warranty Deed, Transfer · Conventional Mortgage INTERCOASTAL MORTGAGE
Jul 30, 2020	Warranty Deed, Transfer NOT AVAILABLE
Jul 15, 2020	Warranty Deed, Transfer BARRISTER TITLE SERVICES, BARRISTER TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Jul 15, 2022 · Amount on Record
Deed Document Number	2023200093008
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	0019080400
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 13, 2023
Property Address	1007 EARL ST, SHELBY, NC 28150-4008
Document Number	0019080903
Book / Page	1908 / 903
Instrument Date	Oct 12, 2023
Instrument	200093008
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	TRIO ABSTRACT INC., TRITON ABSTRACT INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15816 COUNTRY LAKE DR, PINEVILLE, NC 28134-6452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 EARL ST, SHELBY, NC 28150-4008

Mortgage

Document Number	0001908907
Date	Oct 13, 2023
Instrument	1908/907

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Oct 11, 2023
Property Address	1007 EARL ST, SHELBY, NC 28150-4008
Document Number	0019080400
Book / Page	1908 / 400
Map Reference	MB 2 PG 96
Instrument Date	Jul 26, 2023
Instrument	200092900
Transaction Type	Transfer
Record Updated	Oct 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1007 EARL ST, SHELBY, NC 28150-4008

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1007 EARL ST, SHELBY, NC 28150-4008

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1007 EARL ST, SHELBY, NC 28150-4008
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 EARL ST, SHELBY, NC 28150-4008

Mortgage

Document Number	0018902654
Date	Jan 19, 2023
Book Page	1890/2654
Instrument	200082963

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 15, 2022
Property Address	1007 EARL ST, SHELBY, NC 28150-4008
Document Number	0018772683
Book / Page	1877 / 2683
Instrument Date	Jul 14, 2022
Instrument	200075743
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 PARDEEVILLE OHIO RD, 166, COLD BROOK, NY 13324-3107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 EARL ST, SHELBY, NC 28150-4008

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Feb 25, 2021
Property Address	1007 EARL ST, SHELBY, NC 28150-4008
Document Number	0018340603
Book / Page	1834 / 603
Map Reference	MB 2 PG 96
Instrument Date	Feb 25, 2021
Instrument	200051398
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	681 FLINTROCK DR, 681, BOILING SPRINGS, SC 29316-7436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 EARL ST, SHELBY, NC 28150-4008

Mortgage

Document Number	1834606
Date	Feb 25, 2021
Instrument	1834/606

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 30, 2020
Property Address	1007 EARL ST, SHELBY, NC 28150-4008
Document Number	0018180131
Book / Page	001818 / 000131
Instrument Date	Jul 30, 2020
Instrument	42181
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$160.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 FLINTROCK DR BOILING SPRINGS SC 293167436, BOILING SPRINGS, SC 29316-7436

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 15, 2020
Property Address	1007 EARL ST, SHELBY, NC 28150-4008
Document Number	0018162959
Book / Page	001816 / 002959
Instrument Date	Jul 14, 2020
Instrument	41589
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	BARRISTER TITLE SERVICES, BARRISTER TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$520.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 335 DALLAS NC 280340335, DALLAS, NC 28034-0335
Investor	Possibly a Property Investor

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	$946.00 (+5.11%)	$135,494 (-) Land $7,899 Building $127,595	$135,494 (-) Land $7,899 Building $127,595
2025	$900.00 Disabled Person's exemption	$135,494 (+124.38%) Land $7,899 Building $127,595	$135,494 (+124.38%) Land $7,899 Building $127,595
2023		$60,386 Land $5,266 Building $55,120	$60,386 Land $5,266 Building $55,120

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 · 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

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	0.05% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

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