Cleveland County property record for 108 Cherry St, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,738 sqft · built 1995 |
| Lot Size | 2.4 acres (104,762 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,000 (Mar 2018) |
| Tax Bill | $2,546 (2026) |
| Deeds & Mortgages | Mar 2022 Transfer Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44140 |
| Primary APN | 44140 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,738 sqft Finished Area |
| Upper Floors Area | 574 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 104,762 sqft (2.4 acres) |
| Garage Type | Mixed |
| Garage Area | 1,060 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 457 sqft |
| Deck Area | 234 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1319659 |
|---|---|
| Street Address | 108 CHERRY ST |
| City | SHELBY |
| State | NC |
| Zip | 28150-7919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA3 |
| Legal Description | 2.405 AC CHERRY ST |
| Legal Subdivision | LATTIMORE |
| Legal Block | 1 |
| Legal Lot Number | 226 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 951400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 108 CHERRY ST, SHELBY, NC 28150-7919 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2022 | Intrafamily Transfer, Transfer |
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional with PMI BETTER MTG CORP ISAOA |
| Mar 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage NORTH STATE BANK |
| Sep 13, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2018 · Amount on Record |
| Deed Sale | Mar 23, 2018 · Amount on Record |
| Prior Sale | Sep 13, 2017 · Amount on Record |
| Deed Document Number | 201811623 |
| Deed Book / Page | 1763 / 1890 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 17, 2022 |
| Property Address | 108 CHERRY ST, SHELBY, NC 28150-7919 |
| Document Number | 0018671796 |
| Book / Page | 1867 / 1796 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 200069975 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 703 SANDY RUN CHURCH RD, MOORESBORO, NC 28114-8776 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 108 CHERRY ST, SHELBY, NC 28150-7919 |
| Document Number | 0018312793 |
| Instrument Date | Jan 22, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 CHERRY ST SHELBY NC 281507919, SHELBY, NC 28150-7919 |
| Document Number | 0018312793 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 001831/002793 |
| Instrument | 50059 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10007 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 23, 2018 |
| Property Address | 108 CHERRY ST, SHELBY, NC 28150-7919 |
| Document Number | 0017631890 |
| Book / Page | 1763 / 1890 |
| Instrument Date | Mar 23, 2018 |
| Instrument | 2018-011623 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $490.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 569 GILCHRIST RD, 569, DARLINGTON, SC 29532-3561 |
| Name | Verified Name |
|---|---|
| Address | 108 CHERRY ST, SHELBY, NC 28150-7919 |
| Document Number | 0017631893 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 1763/1893 |
| Instrument | 200011624 |
| Name | NORTH STATE BANK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27609 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Sep 13, 2017 |
| Property Address | 108 CHERRY ST, SHELBY, NC 28150-7919 |
| Document Number | 0017501573 |
| Book / Page | 001750 / 001573 |
| Instrument Date | Sep 8, 2017 |
| Instrument | 4670 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $36.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 256 LATTIMORE NC 280890256, LATTIMORE, NC 28089-0256 |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Lattimore Town |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,546.00 (+2.7%) | $289,949 (-) Land $30,926 Building $259,023 | $289,949 (-) Land $30,926 Building $259,023 |
| 2025 | $2,479.00 | $289,949 (+29.39%) Land $30,926 Building $259,023 | $289,949 (+29.39%) Land $30,926 Building $259,023 |
| 2023 | $224,095 Land $24,097 Building $199,998 | $224,095 Land $24,097 Building $199,998 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% 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.
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 |
| 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.
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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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