Cleveland County property record for 105 Benjamin Ct, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,675 sqft · built 1995 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Aug 2019) |
| Tax Bill | $2,589 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Mar 2023 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48138 |
| Primary APN | 48138 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,675 sqft Finished Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 32,670 sqft (0.75 acres) |
| Garage Area | 657 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 408 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1325590 |
|---|---|
| Street Address | 105 BENJAMIN CT |
| City | SHELBY |
| State | NC |
| Zip | 28152-8181 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | #39 HIGHLAND PINES PB196 |
| Legal Subdivision | HIGHLAND PINES |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 951503 |
Source: Cleveland County records · APN 48138
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 | 105 BENJAMIN CT, SHELBY, NC 28152-8181 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Mar 07, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jan 13, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Aug 22, 2019 | Warranty Deed, Transfer NAVY FCU |
| May 29, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Feb 27, 2018 | Loan Modification, Mortgage · Conventional Mortgage CHASE BK/MD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 22, 2019 · Amount on Record |
| Deed Sale | Aug 22, 2019 · Amount on Record |
| Prior Sale | May 29, 2019 · Amount on Record |
| Deed Document Number | 2019200029652 |
| Deed Book / Page | 1797 / 560 |
| Last Transfer Date | Sep 03, 2020 |
| Transfer Doc | 0018210004 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 105 BENJAMIN CT, SHELBY, NC 28152-8181 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0018630261 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 1863/261 |
| Instrument | 200067317 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 105 BENJAMIN CT, SHELBY, NC 28152-8181 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0018932169 |
|---|---|
| Date | Mar 07, 2023 |
| Book Page | 1893/2169 |
| Instrument | 200084686 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 105 BENJAMIN CT, SHELBY, NC 28152-8181 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2026 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY |
| Name | Verified Name |
|---|
| Document Number | 0019371009 |
|---|---|
| Date | Jan 13, 2025 |
| Book Page | 1937/1009 |
| Instrument | 200109010 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Aug 22, 2019 |
| Property Address | 105 BENJAMIN CT, SHELBY, NC 28152-8181 |
| Document Number | 0017970560 |
| Book / Page | 001797 / 000560 |
| Instrument Date | Aug 19, 2019 |
| Instrument | 29652 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 105 BENJAMIN CT SHELBY NC 281528181, SHELBY, NC 28152-8181 |
| Document Number | 17970564 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 001797/000564 |
| Instrument | 29653 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 21, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 29, 2019 |
| Property Address | 105 BENJAMIN CT, SHELBY, NC 28152-8181 |
| Document Number | 0017921476 |
| Book / Page | 001792 / 001476 |
| Instrument Date | May 28, 2019 |
| Instrument | 26765 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $366.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2150 E GERMANN RD #1 CHANDLER AZ 852861662, 1, CHANDLER, AZ 85286-1662 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 105 BENJAMIN CT, SHELBY, NC 28152-8181 |
| Document Number | 0017631592 |
| Instrument Date | Feb 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 105 BENJAMIN CT SHELBY NC 281528181, SHELBY, NC 28152-8181 |
| Document Number | 0017631592 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 001763/001592 |
| Instrument | 11554 |
| Name | CHASE BK/MD |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203-4774 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Mar 21, 2046 |
| Rate | 4% |
|---|
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 | $286,176 (-) Land $30,000 Building $256,176 | $286,176 (-) Land $30,000 Building $256,176 | |
| 2025 | $2,589.00 | $286,176 (+49.66%) Land $30,000 Building $256,176 | $286,176 (+49.66%) Land $30,000 Building $256,176 |
| 2023 | $191,214 Land $26,250 Building $164,964 | $191,214 Land $26,250 Building $164,964 |
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 | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 27 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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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