107 Mode Ct, Shelby, NC 28152 Property Records

Cleveland County property record for 107 Mode Ct, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	732 sqft · built 1933
Lot Size	0.463 acres (20,168 sqft)
Owner	Individual Name on File
Tax Bill	$423 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27981`

Property Details

APN / Parcel Number

Primary APN	`27981`
Alternative APNs	`1116866` `1355269`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	732 sqft Finished Area

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1982
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	20,168 sqft (0.463 acres)

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Deck Area	112 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1355269
Street Address	107 MODE CT
City	SHELBY
State	NC
Zip	28152-8641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	.463AC OFF GAFFNEY RD
Legal Block	1
Legal Lot Number	21
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	6
Census Block	6009
Census Tract	951200

Owner

107 Mode Ct is owned and occupied by an individual.

Source: Cleveland County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	107 MODE CT, SHELBY, NC 28152-8641
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	107 MODE CT, SHELBY, NC 28152-8641
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 MODE CT, SHELBY, NC 28152-8641

Mortgage

Document Number	0019071200
Date	Sep 29, 2023
Book Page	1907/1200
Instrument	200092520

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 107 Mode Ct was $423, up 22.6% 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	$423.00 (+22.61%)	$54,406 (-) Land $9,042 Building $45,364	$54,406 (-) Land $9,042 Building $45,364
2025	$345.00	$54,406 Land $9,042 Building $45,364	$54,406 Land $9,042 Building $45,364
2023		$33,380 Land $5,339 Building $28,041	$33,380 Land $5,339 Building $28,041

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

Flood

FEMA maps place 107 Mode Ct 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 107 Mode Ct is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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	CITY OF SHELBY serves 23,600 people · EPA ID NC0123010
Water Source	Surface water
Last State Inspection	Apr 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000