1226 Cherry Mountain Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 1226 Cherry Mountain Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1985
Lot Size	0.463 acres (20,200 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Dec 2024)
Tax Bill	$1,087 (2026)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70474`

Property Details

APN / Parcel Number

Primary APN	`70474`
Alternative APNs	`1274186` `1353228` `1367581`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,008 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	20,200 sqft (0.463 acres)
Lot Dimensions	202 ft deep x 100 ft wide
Porch	Slab
Porch Area	216 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1367581
Street Address	1226 CHERRY MOUNTAIN RD
City	SHELBY
State	NC
Zip	28150-7755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	#41 BLK B PB12-24 SANDY CRK PK
Legal Subdivision	SANDY CRK
Legal Block	1
Legal Lot Number	39
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2011
Census Tract	951400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1226 CHERRY MOUNTAIN RD, SHELBY, NC 28150-7755
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2024	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 13, 2022	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2024 · Amount on File
Deed Sale	Dec 2, 2024 · Amount on File
Prior Sale	Dec 13, 2022 · Amount on File
Deed Document Number	2024200107613
Deed Book / Page	1934 / 1804
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 2, 2024
Property Address	1226 CHERRY MOUNTAIN RD, SHELBY, NC 28150-7755
Document Number	0019341804
Book / Page	1934 / 1804
Map Reference	MB 12 PG 24
Instrument Date	Dec 2, 2024
Instrument	200107613
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	907 WOODLAND DR, SHELBY, NC 28150-9305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 CHERRY MOUNTAIN RD, SHELBY, NC 28150-7755

Mortgage

Document Number	0200107614
Date	Dec 2, 2024
Instrument	200107614

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.77%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.77%
Max Rate At Change	7.77%
Index	5-Year CMT
Max Rate	11.7%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 13, 2022
Property Address	1226 CHERRY MOUNTAIN RD, SHELBY, NC 28150-7755
Document Number	0018882182
Book / Page	1888 / 2182
Map Reference	MB 12 PG 24
Instrument Date	Dec 12, 2022
Instrument	200081781
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 RIDGEFIELD RD, SHELBY, NC 28150-7758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 CHERRY MOUNTAIN RD, SHELBY, NC 28150-7755

Mortgage

Document Number	0018882186
Date	Dec 13, 2022
Instrument	1888/2186

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

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	$1,087.00 (+4.42%)	$164,089 (-) Land $11,200 Building $152,889	$164,089 (-) Land $11,200 Building $152,889
2025	$1,041.00	$164,089 (+103.69%) Land $11,200 Building $152,889	$164,089 (+103.69%) Land $11,200 Building $152,889
2023		$80,560 Land $8,960 Building $71,600	$80,560 Land $8,960 Building $71,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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