103 Ritchie Dr, Shelby, NC 28152 Property Records

Cleveland County property record for 103 Ritchie Dr, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,673 sqft · built 2022
Lot Size	1.7 acres (74,245 sqft)
Owner	Individual Name on Record
Last Sale	$25,000 (Oct 2021)
Tax Bill	$2,467 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`45764`

Property Details

APN / Parcel Number

Primary APN	`45764`
Alternative APN	`1140613`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,673 sqft Finished Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Foundation Type	Slab (Mat/Raft)
Lot Area	74,245 sqft (1.7 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1140613
Street Address	103 RITCHIE DR
City	SHELBY
State	NC
Zip	28152-0700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#1 PB18-69 WILDWOOD SD
Legal Subdivision	WILDWOOD
Legal Block	1
Legal Lot Number	28
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1032
Census Tract	951601

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	103 RITCHIE DR, SHELBY, NC 28152-0700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 7, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2021 · Amount on Record
Deed Sale	Oct 7, 2021 · Amount on Record
Deed Document Number	2021200062394
Deed Book / Page	1854 / 99
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	103 RITCHIE DR, SHELBY, NC 28152-0700
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018571589
Date	Nov 16, 2021
Book Page	1857/1589
Instrument	200064310

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Sep 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 7, 2021
Property Address	103 RITCHIE DR, SHELBY, NC 28152-0700
Document Number	0018540099
Book / Page	1854 / 99
Map Reference	MB 18 PG 69
Instrument Date	Oct 7, 2021
Instrument	200062394
Transaction Type	Transfer
Record Updated	Aug 31, 2023

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1023 HUNTER VALLEY RD, SHELBY, NC 28150-3613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4304 POLKVILLE ROAD, SAXON, WV 25180

Tax Assessment & Valuation

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	$2,467.00 (+2.83%)	$377,817 (-) Land $27,671 Building $350,146	$377,817 (-) Land $27,671 Building $350,146
2025	$2,399.00	$377,817 (+39.03%) Land $27,671 Building $350,146	$377,817 (+39.03%) Land $27,671 Building $350,146
2023		$271,759 Land $27,212 Building $244,547	$271,759 Land $27,212 Building $244,547

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

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

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 40 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

Cell Coverage

5G (outdoors only) and 4G LTE

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