117 Spring Forest Dr, Shelby, NC 28152 Property Records

Cleveland County property record for 117 Spring Forest Dr, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,894 sqft · built 2016
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,242 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`57738`

Property Details

APN / Parcel Number

Primary APN	`57738`
Alternative APN	`1312274`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,894 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stone
Foundation Type	Footing
Lot Area	23,958 sqft (0.55 acres)
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1312274
Street Address	117 SPRING FOREST DR
City	SHELBY
State	NC
Zip	28152-9102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	#32PB26-94SPRING FRST PH5
Legal Subdivision	SPRING FRST
Legal Block	1
Legal Lot Number	582
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	4
Census Block	4038
Census Tract	951400

Owner

117 Spring Forest Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	117 SPRING FOREST DR, SHELBY, NC 28152-9102
Occupancy	Owner Occupied
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 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Oct 5, 2026
Property Address	117 SPRING FOREST DR, SHELBY, NC 28152-9102
Document Number	0200134400
Book / Page	1986 / 1
Instrument Date	Sep 30, 2026
Instrument	2026200134400
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 SPRING FOREST DR, SHELBY, NC 28152-9102

Mortgage

Document Number	0200134400,
Date	Oct 5, 2026
Book Page	1986/1
Instrument	2026200134400

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.33%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	117 SPRING FOREST DR, SHELBY, NC 28152-9102
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018562969
Date	Nov 9, 2021
Book Page	1856/2969
Instrument	200063992

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	BOILING SPRINGS, NC 28017

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 117 Spring Forest Dr was $4,242, up 7.5% 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	Boiling Springs Town
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,242.00 (+7.5%)	$445,894 (-) Land $26,928 Building $418,966	$445,894 (-) Land $26,928 Building $418,966
2025	$3,946.00	$445,894 Land $26,928 Building $418,966	$445,894 Land $26,928 Building $418,966
2023		$279,103 Land $21,384 Building $257,719	$279,103 Land $21,384 Building $257,719

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

Flood

FEMA maps place 117 Spring Forest Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 117 Spring Forest Dr is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.07% 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	TOWN OF BOILING SPRINGS serves 4,769 people · EPA ID NC0123025
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 61 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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