1024 Carter Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 1024 Carter Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	4,508 sqft · built 1997
Lot Size	7.35 acres (320,471 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Dec 2019)
Tax Bill	$5,090 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49306`

Property Details

APN / Parcel Number

Primary APN	`49306`
Alternative APN	`1327197`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	4,508 sqft Finished Area
Upper Floors Area	1,645 sqft
Attic	Attic
Attic Area	226 sqft
Basement Area	2,700 sqft
Finished Basement	1,689 sqft
Unfinished Basement	1,011 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Lot Area	320,471 sqft (7.35 acres)
Porch	Slab
Porch Area	470 sqft
Lean-To	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1327197
Street Address	1024 CARTER RD
City	SHELBY
State	NC
Zip	28150-8308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	7.357AC RD 1927
Legal Block	1
Legal Lot Number	30C
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3022
Census Tract	950800

Owner

1024 Carter Rd is owned and occupied by two individuals who bought it in December 2019.

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 File
Mailing Address	1024 CARTER RD, SHELBY, NC 28150-8308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 20, 2022	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Dec 20, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 14, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Deed Document Number	2019200034233
Deed Book / Page	1804 / 1903
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1024 CARTER RD, SHELBY, NC 28150-8308
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018490926
Date	Aug 17, 2021
Book Page	1849/926
Instrument	200059857

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 20, 2022
Property Address	1024 CARTER RD, SHELBY, NC 28150-8308
Document Number	0018630335
Book / Page	1863 / 335
Instrument Date	Jan 20, 2022
Instrument	200067329
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 W CABANISS RD, SHELBY, NC 28150-7780

Mortgage

Document Number	0001863339
Date	Jan 20, 2022
Instrument	1863/339

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 20, 2019
Property Address	1024 CARTER RD, SHELBY, NC 28150-8308
Document Number	0018041903
Book / Page	1804 / 1903
Instrument Date	Dec 19, 2019
Instrument	200034233
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 CARTER RD, SHELBY, NC 28150-8308

Mortgage

Document Number	0200034234
Date	Dec 20, 2019
Instrument	200034234

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1024 CARTER RD, SHELBY, NC 28150-8308
Document Number	0017392255
Book / Page	001739 / 002255
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	May 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 CARTER RD SHELBY NC 281508308, SHELBY, NC 28150-8308

Mortgage

Document Number	0017392255
Date	Apr 4, 2017
Book Page	001739/002255
Instrument	3482

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1024 Carter Rd was $5,090, up 1.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,090.00 (+1.07%)	$793,073 (-) Land $52,913 Building $740,160	$793,073 (-) Land $52,913 Building $740,160
2025	$5,036.00	$793,073 Land $52,913 Building $740,160	$793,073 Land $52,913 Building $740,160
2023		$641,866 Land $58,898 Building $582,968	$641,866 Land $58,898 Building $582,968

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1024 Carter Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1024 Carter Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% 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	CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055
Water Source	Surface water
Last State Inspection	Feb 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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