118 Eagles Ter, Shelby, NC 28150 Property Records

Cleveland County property record for 118 Eagles Ter, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	3,123 sqft · built 2022
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Sep 2006)
Tax Bill	$4,211 (2026)
Deeds & Mortgages	Jun 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`53032`

Property Details

APN / Parcel Number

Primary APN	`53032`
Alternative APN	`1334720`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	3,123 sqft Finished Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Foundation Type	Footing
Lot Area	20,909 sqft (0.48 acres)
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1334720
Street Address	118 EAGLES TER
City	SHELBY
State	NC
Zip	28150-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#56 PB21-5 DEER BRK PH 1 MAP 3 REV
Legal Subdivision	DEER BROOK
Legal Phase	1
Legal Block	1
Legal Lot Number	59
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1014
Census Tract	950800

Owner

118 Eagles Ter is owned and occupied by two individuals who bought it in September 2006.

Source: Cleveland County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	118 EAGLES TER, SHELBY, NC 28150-9703
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2006 · Amount on File
Deed Sale	Sep 17, 2006 · Amount on File
Deed Document Number	200678930
Deed Book / Page	1498 / 736
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	118 EAGLES TER, SHELBY, NC 28150-9703
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 LACKEY ST, SHELBY, NC 28152-6372

Mortgage

Document Number	0018450122
Date	Jun 30, 2021
Book Page	1845/122
Instrument	200057456

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	193 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 118 Eagles Ter was $4,211, up 1.4% from the year before.

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	$4,211.00 (+1.42%)	$653,893 (-) Land $44,064 Building $609,829	$653,893 (-) Land $44,064 Building $609,829
2025	$4,152.00	$653,893 Land $44,064 Building $609,829	$653,893 Land $44,064 Building $609,829
2023		$230,360 Land $32,768 Building $197,592	$230,360 Land $32,768 Building $197,592

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

Flood

FEMA maps place 118 Eagles Ter 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 118 Eagles Ter is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.05% 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)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20