125 E Debbie Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 125 E Debbie Dr, Shelby, NC 28150

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.714 acres (31,118 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,137 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25595`

Property Details

APN / Parcel Number

Primary APN	`25595`
Alternative APN	`8968011`

Exterior

Lot Area	31,118 sqft (0.714 acres)

Location & Zoning

Account Number	8968011
Street Address	125 E DEBBIE DR
City	SHELBY
State	NC
Zip	28150-9785
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	AA1
Legal Description	#11 SILO ACRES PB13-100
Legal Subdivision	SILO ACRES
Legal Block	8
Legal Lot Number	24
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	PO BOX 1064, KINGS MOUNTAIN, NC 28086-1064
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage QUICKEN LNS
Jul 20, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	125 E DEBBIE DR, SHELBY, NC 28150-9785
Document Number	0018150952
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 E DEBBIE DR SHELBY NC 281509785, SHELBY, NC 28150-9785

Mortgage

Document Number	0018150952
Date	Jun 19, 2020
Book Page	001815/000952
Instrument	40574

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	125 E DEBBIE DR, SHELBY, NC 28150-9785
Document Number	0017721265
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 E DEBBIE DR SHELBY NC 281509785, SHELBY, NC 28150-9785

Mortgage

Document Number	0017721265
Date	Jul 24, 2018
Book Page	001772/001265
Instrument	16122

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

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	$1,137.00 (-0.52%)	$180,000 (-) Land $180,000	$180,000 (-) Land $180,000
2025	$1,143.00	$180,000 (+12.5%) Land $180,000	$180,000 (+12.5%) Land $180,000
2023		$160,000 Land $160,000	$160,000 Land $160,000

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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 (outdoors only) and 4G LTE

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