117 E Debbie Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 117 E Debbie Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,908 sqft · built 1978
Lot Size	0.8 acres (34,886 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,335 (2026)
Deeds & Mortgages	Aug 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25599`

Property Details

APN / Parcel Number

Primary APN	`25599`
Alternative APN	`1270413`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,908 sqft Finished Area
Basement Area	1,908 sqft
Unfinished Basement	1,908 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Lot Area	34,886 sqft (0.8 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	432 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1270413
Street Address	117 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	#7 PB13-100 SILO ACRES
Legal Subdivision	SILO ACRES
Legal Block	8
Legal Lot Number	28
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1001
Census Tract	950701

Owner

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	117 E DEBBIE DR, SHELBY, NC 28150-9785
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 1, 2025
Transfer Doc	0019431710
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Aug 22, 2022
Property Address	117 E DEBBIE DR, SHELBY, NC 28150-9785
Document Number	0018801937
Book / Page	1880 / 1937
Instrument Date	Jul 27, 2022
Instrument	200077334
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 E DEBBIE DR, 117, SHELBY, NC 28150-9785

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E DEBBIE DR, SHELBY, NC 28150-9785

Mortgage

Document Number	0018801944
Date	Aug 22, 2022
Instrument	1880/1944

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	880 Months
Due	Dec 9, 2095

Interest

Rate Type	Adjustable Rate
Rate	6.28%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Index	1-Year CMT

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	$3,335.00 (+1.93%)	$515,289 (-) Land $126,000 Building $389,289	$515,289 (-) Land $126,000 Building $389,289
2025	$3,272.00	$515,289 (+38.15%) Land $126,000 Building $389,289	$515,289 (+38.15%) Land $126,000 Building $389,289
2023		$372,998 Land $160,000 Building $212,998	$372,998 Land $160,000 Building $212,998

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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