Cleveland County property record for 127 J T Dr, Shelby, NC 28150
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $11,000 (May 2010) |
| Tax Bill | $142 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 49928 |
| Primary APN | 49928 |
|---|---|
| Alternative APN |
|
| Lot Area | 21,780 sqft (0.5 acres) |
|---|
| Account Number | 1313084 |
|---|---|
| Street Address | 127 J T DR |
| City | SHELBY |
| State | NC |
| Zip | 28150-9501 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | R15 |
| Legal Description | #5 PB19-124 TOWERY TRACE |
| Legal Subdivision | TOWERY TRACE |
| Legal Block | 1 |
| Legal Lot Number | 108 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3069 |
| Census Tract | 951400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2717 DEERE DR, SHELBY, NC 28150-7723 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · VA Mortgage INTERCAP LENDING |
| Oct 5, 2017 | Deed of Trust, Mortgage · VA Mortgage INTERCAP LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2010 · Amount on Record |
| Deed Sale | May 17, 2010 · Amount on Record |
| Deed Book / Page | 1596 / 751 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 127 J T DR, SHELBY, NC 28150-9501 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Title Company | PRIORITY TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0018361702 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 1836/1702 |
| Instrument | 200052722 |
| Name | INTERCAP LENDING |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 127 J T DR, SHELBY, NC 28150-9501 |
| Document Number | 0017521927 |
| Book / Page | 001752 / 001927 |
| Instrument Date | Oct 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 133 J T DR SHELBY NC 281509501, SHELBY, NC 28150-9501 |
| Document Number | 0017521927 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 001752/001927 |
| Instrument | 5763 |
| Name | INTERCAP LNDG |
|---|---|
| Address | DRAPER, UT 84020 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 11, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $142.00 | $22,500 (-) Land $22,500 | $22,500 (-) Land $22,500 |
| 2025 | $142.00 | $22,500 (+66.67%) Land $22,500 | $22,500 (+66.67%) Land $22,500 |
| 2023 | $13,500 Land $13,500 | $13,500 Land $13,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 52% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 59 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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