Cleveland County property record for 1145 Earl Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 728 sqft · built 1944 |
| Lot Size | 0.573 acres (25,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $93,000 (Jul 2025) |
| Tax Bill | $448 (2026) |
| Deeds & Mortgages | Sep 2021 Line of Credit Dec 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26634 |
| Primary APN | 26634 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 728 sqft Finished Area |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Foundation Type | Footing |
| Lot Area | 25,000 sqft (0.573 acres) |
| Lot Dimensions | 200 ft deep x 125 ft wide |
| Porch | Porch |
| Porch Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1250524 |
|---|---|
| Street Address | 1145 EARL RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-7455 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | #93-97 EARL RD |
| Legal Subdivision | Z |
| Legal Block | 4 |
| Legal Lot Number | 7 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 950702 |
1145 Earl Rd is owned and occupied by two individuals who bought it in July 2025.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1145 EARL RD, SHELBY, NC 28152-7455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Dec 13, 2018 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Nov 2, 2020 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2025 · Amount on File |
| Deed Sale | Jul 22, 2025 · Amount on File |
| Prior Sale | Jul 15, 2008 · Amount on File |
| Deed Document Number | 2025200116507 |
| Deed Book / Page | 1951 / 2334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 1145 EARL RD, SHELBY, NC 28152-7455 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0018530685 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 1853/685 |
| Instrument | 200061966 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | SHELBY, NC 28151 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 1145 EARL RD, SHELBY, NC 28152-7455 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017820175 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 1782/0175 |
| Instrument | 200021058 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | SHELBY, NC 28151 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 1145 EARL RD, SHELBY, NC 28152-7455 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0018250695 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 1825/695 |
| Instrument | 200046229 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | SHELBY, NC 28151 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 1145 Earl Rd was $448, up 20.4% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $448.00 (+20.43%) | $60,552 (-) Land $27,750 Building $32,802 | $60,552 (-) Land $27,750 Building $32,802 |
| 2025 | $372.00 | $60,552 Land $27,750 Building $32,802 | $60,552 Land $27,750 Building $32,802 |
| 2023 | $34,417 Land $24,975 Building $9,442 | $34,417 Land $24,975 Building $9,442 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1145 Earl Rd 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 risk around 1145 Earl Rd 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.
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 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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