109 Summit St, Shelby, NC 28150 Property Records

Cleveland County property record for 109 Summit St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,698 sqft · built 1958
Lot Size	0.431 acres (18,800 sqft)
Owner	Individual Name on File
Last Sale	$83,000 (Oct 2019)
Tax Bill	$2,075 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19768`

Property Details

APN / Parcel Number

Primary APN	`19768`
Alternative APN	`1143332`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,698 sqft Finished Area
Basement Area	1,613 sqft
Finished Basement	280 sqft
Unfinished Basement	1,333 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	18,800 sqft (0.431 acres)
Lot Dimensions	188 ft deep x 100 ft wide
Porch	Slab
Porch Area	24 sqft
Storage Building	252 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1143332
Street Address	109 SUMMIT ST
City	SHELBY
State	NC
Zip	28150-5517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	109 SUMMIT DR
Legal Block	3
Legal Lot Number	14
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3027
Census Tract	951000

Owner

109 Summit St is owned by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	611 GINGER DR, KINGS MOUNTAIN, NC 28086-8967
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

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Oct 4, 2019	Warranty Deed, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2019 · Amount on File
Deed Sale	Oct 4, 2019 · Amount on File
Deed Document Number	2019200031261
Deed Book / Page	1799 / 2498
Prior Transfer Date	Aug 3, 2012
Prior Transfer Doc	0016400076
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	109 SUMMIT ST, SHELBY, NC 28150-5517
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018541664
Date	Oct 13, 2021
Book Page	1854/1664
Instrument	200062699

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 4, 2019
Property Address	109 SUMMIT ST, SHELBY, NC 28150-5517
Document Number	0017992498
Book / Page	1799 / 2498
Instrument Date	Oct 4, 2019
Instrument	200031261
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 SPRING VALLEY TER, 2600, SHELBY, NC 28152-9076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SUMMIT ST, SHELBY, NC 28150-5517

Mortgage

Document Number	17992501
Date	Oct 4, 2019
Instrument	1799/2501

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 109 Summit St was $2,075, up 2% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Municipality	Shelby City
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,075.00 (+1.97%)	$204,610 (-) Land $28,930 Building $175,680	$204,610 (-) Land $28,930 Building $175,680
2025	$2,035.00	$204,610 Land $28,930 Building $175,680	$204,610 Land $28,930 Building $175,680
2023		$116,333 Land $28,930 Building $87,403	$116,333 Land $28,930 Building $87,403

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

Flood

FEMA maps place 109 Summit St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 109 Summit St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 48% 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	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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summit St

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