103 Ramsgate Dr, Shelby, NC 28152 Property Records

Cleveland County property record for 103 Ramsgate Dr, Shelby, NC 28152 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1,067 sqft · built 1990
Lot Size	0.345 acres (15,029 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jul 2022)
Tax Bill	$1,472 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41088`

Property Details

APN / Parcel Number

Primary APN	`41088`
Alternative APNs	`1344542` `1348599`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,067 sqft Finished Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	15,029 sqft (0.345 acres)
Lot Dimensions	133 ft deep x 113 ft wide
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	120 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1348599
Street Address	103 RAMSGATE DR
City	SHELBY
State	NC
Zip	28152-8509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#40 RAMSGATE SD PB16-137
Legal Subdivision	RAMSGATE SD
Legal Block	2
Legal Lot Number	48
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1003
Census Tract	951501

Owner

Source: Cleveland County records · APN 41088

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	Individual Name on File
Mailing Address	103 RAMSGATE DR, SHELBY, NC 28152-8509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 07, 2022 · Amount on Record
Deed Sale	Jul 07, 2022 · Amount on Record
Deed Document Number	2022200075348
Deed Book / Page	1877 / 824
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 07, 2022
Property Address	103 RAMSGATE DR, SHELBY, NC 28152-8509
Document Number	0018770824
Book / Page	1877 / 824
Map Reference	MB 16 PG 137
Instrument Date	Jul 06, 2022
Instrument	200075348
Transaction Type	Transfer
Record Updated	Jul 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1427 RED RD # 1, 1427, SHELBY, NC 28152-8068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RAMSGATE DR, SHELBY, NC 28152-8509

Mortgage

Document Number	0001877827
Date	Jul 07, 2022
Instrument	1877/827

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

Tax Assessment & Valuation

Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$166,409 (-) Land $19,181 Building $147,228	$166,409 (-) Land $19,181 Building $147,228
2025	$1,472.00	$166,409 (+63.05%) Land $19,181 Building $147,228	$166,409 (+63.05%) Land $19,181 Building $147,228
2023		$102,059 Land $16,441 Building $85,618	$102,059 Land $16,441 Building $85,618

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cleveland County (37045C), updated March 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 35% of the US · above 49% of North Carolina
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 62 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.