109 E Debbie Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 109 E Debbie Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,406 sqft · built 2004
Lot Size	1.41 acres (61,829 sqft)
Owner	Individual Name on Record
Last Sale	$289,500 (Oct 2026)
Tax Bill	$4,504 (2026)
Deeds & Mortgages	Oct 2026 Sale Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25603`

Property Details

APN / Parcel Number

Primary APN	`25603`
Alternative APN	`1338217`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,406 sqft Finished Area
Upper Floors Area	277 sqft
Attic	Attic
Attic Area	258 sqft
Basement Area	2,129 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,129 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2007
Exterior Material	Brick
Foundation Type	Footing
Lot Area	61,829 sqft (1.41 acres)
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	119 sqft
Deck Area	312 sqft
Boat Access	Boat Access
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1338217
Street Address	109 E DEBBIE DR
City	SHELBY
State	NC
Zip	28150-9785
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#2-3&PT#4 PB13-100 SILO ACRES
Legal Subdivision	SILO ACRES
Legal Block	8
Legal Lot Number	32
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1001
Census Tract	950701

Owner

Source: Cleveland County records, as of October 21, 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	109 E DEBBIE DR, SHELBY, NC 28150-9785
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 19, 2019	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Jan 13, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on Record
Deed Sale	Oct 5, 2026 · Amount on Record
Prior Sale	Jan 13, 2021 · Amount on Record
Deed Document Number	2026200134417
Deed Book / Page	1986 / 91
Prior Transfer Date	Sep 23, 2026
Prior Transfer Doc	0200134417
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 5, 2026
Property Address	109 E DEBBIE DR, SHELBY, NC 28150-9785
Document Number	0200134417
Book / Page	1986 / 91
Instrument Date	Sep 23, 2026
Instrument	2026200134417
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$58,479.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	109 E DEBBIE DR, SHELBY, NC 28150-9785

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	109 E DEBBIE DR, SHELBY, NC 28150-9785
Transaction Type	Mortgage
Record Updated	Oct 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017962818
Date	Aug 19, 2019
Book Page	1796/2818
Instrument	200029502

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 13, 2021
Property Address	109 E DEBBIE DR, SHELBY, NC 28150-9785
Document Number	0018302277
Book / Page	1830 / 2277
Instrument Date	Jan 12, 2021
Instrument	200049410
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 LAKEMONT DR, 108, SHELBY, NC 28150-8326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E DEBBIE DR, SHELBY, NC 28150-9785

Mortgage

Document Number	18302280
Date	Jan 13, 2021
Instrument	1830/2280

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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	$4,504.00 (+0.63%)	$705,029 (-) Land $124,200 Building $580,829	$705,029 (-) Land $124,200 Building $580,829
2025	$4,476.00	$705,029 (+7.95%) Land $124,200 Building $580,829	$705,029 (+7.95%) Land $124,200 Building $580,829
2023		$653,106 Land $168,000 Building $485,106	$653,106 Land $168,000 Building $485,106

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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	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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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