Cleveland County property record for 102 Ramsgate Dr, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,646 sqft · built 1990 |
| Lot Size | 0.342 acres (14,916 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,019 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41050 |
| Primary APN | 41050 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,646 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Lot Area | 14,916 sqft (0.342 acres) |
| Lot Dimensions | 132 ft deep x 113 ft wide |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | 136 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1028311 |
|---|---|
| Street Address | 102 RAMSGATE DR |
| City | SHELBY |
| State | NC |
| Zip | 28152-8508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | #2PB16-137 RAMSGATE LIFE ESTATE |
| Legal Subdivision | RAMSGATE S/D |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 951501 |
Source: Cleveland County records · APN 41050
Assessment roll updated September 30, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 102 RAMSGATE DR, SHELBY, NC 28152-8508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed, Transfer · FHA Mortgage TRUST BANK |
| Jun 29, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 16, 2021 | Intrafamily Transfer, Transfer |
| Feb 19, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 23, 2026 |
| Deed Sale | Jul 23, 2026 |
| Deed Document Number | 2026200131382 |
| Deed Book / Page | 1980 / 50 |
| Prior Transfer Date | Mar 11, 2021 |
| Prior Transfer Doc | 0018352248 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 23, 2026 |
| Property Address | 102 RAMSGATE DR, SHELBY, NC 28152-8508 |
| Document Number | 0200131382 |
| Book / Page | 1980 / 50 |
| Instrument Date | Jul 18, 2026 |
| Instrument | 2026200131382 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 RAMSGATE DR, SHELBY, NC 28152-8508 |
| Document Number | 0200131382, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 1980/56 |
| Instrument | 2026200131382 |
| Name | TRUST BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 102 RAMSGATE DR, SHELBY, NC 28152-8508 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1O2 RAMSGATEE DR, SHELBY, NC 28152 |
| Document Number | 0019011641 |
|---|---|
| Date | Jun 29, 2023 |
| Book Page | 1901/1641 |
| Instrument | 200089059 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 16, 2021 |
| Property Address | 102 RAMSGATE DR, SHELBY, NC 28152-8508 |
| Document Number | 0018352248 |
| Book / Page | 1835 / 2248 |
| Map Reference | MB 16 PG 137 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 200052277 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 RAMSGATE DR, 102, SHELBY, NC 28152-8508 |
| Name | Verified Name |
|---|---|
| Address | 238 HULL RD, CASAR, NC 28020-8757 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 102 RAMSGATE DR, SHELBY, NC 28152-8508 |
| Document Number | 0017880527 |
| Instrument Date | Feb 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2019 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 102 RAMSGATE DR SHELBY NC 281528508, SHELBY, NC 28152-8508 |
| Document Number | 0017880527 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 001788/000527 |
| Instrument | 24299 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Boiling Springs Town |
| Unified School District | Cleveland County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $228,171 (-) Land $19,181 Building $208,990 | $228,171 (-) Land $19,181 Building $208,990 | |
| 2025 | $2,019.00 | $228,171 (+47.99%) Land $19,181 Building $208,990 | $228,171 (+47.99%) Land $19,181 Building $208,990 |
| 2023 | $154,182 Land $16,441 Building $137,741 | $154,182 Land $16,441 Building $137,741 |
Source: FEMA National Flood Hazard Layer as of March 5, 2020 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 62 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF BOILING SPRINGS serves 4,769 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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