1311 Metcalf Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 1311 Metcalf Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,792 sqft · built 1961
Lot Size	0.578 acres (25,200 sqft)
Owner	Trust Name on File
Last Sale	$208,000 (Jun 2023)
Tax Bill	$721 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`21498`

Property Details

APN / Parcel Number

Primary APN	`21498`
Alternative APNs	`1198937` `1356738`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,792 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1990
Exterior Material	Brick
Foundation Type	Footing
Lot Area	25,200 sqft (0.578 acres)
Lot Dimensions	180 ft deep x 140 ft wide
Garage Type	Carport
Garage Area	396 sqft
Carport	Carport
Carport Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	252 sqft
Storage Building	396 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1356738
Street Address	1311 METCALF RD
City	SHELBY
State	NC
Zip	28150-9078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LOT METCALF RD
Legal Block	1
Legal Lot Number	2
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3004
Census Tract	950900

Owner

1311 Metcalf Rd is owner-occupied and held in a trust since June 2023.

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

Owner of Record	Trust Name on File
Mailing Address	1311 METCALF RD, SHELBY, NC 28150-9078
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Jun 14, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023 · Amount on File
Deed Sale	Jun 14, 2023 · Amount on File
Deed Document Number	2023200088404
Deed Book / Page	1900 / 1284
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Jul 20, 2026
Property Address	1311 METCALF RD, SHELBY, NC 28150-9078
Document Number	0200131189
Book / Page	1979 / 2147
Instrument Date	Jun 30, 2026
Instrument	2026200131189
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	1311 METCALF RD, SHELBY, NC 28150-9078

Mortgage

Document Number	0200131189,
Date	Jul 20, 2026
Book Page	1979/2147
Instrument	2026200131189

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.48%
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jun 14, 2023
Property Address	1311 METCALF RD, SHELBY, NC 28150-9078
Document Number	0019001284
Book / Page	1900 / 1284
Instrument Date	Jun 8, 2023
Instrument	200088404
Transaction Type	Transfer
Record Updated	Jun 30, 2023

Transaction

Amount	Amount on Record
Tax	$416.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2925 MEADOW CREEK LN, MONROE, NC 28110-9308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 OLD GRAY STATION RD, JOHNSON CITY, TN 37615-3530

Tax Assessment & Valuation

The 2026 property tax bill for 1311 Metcalf Rd was $721, up 3.1% 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	Shelby City
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$721.00 (+3.15%)	$139,477 (-) Land $15,120 Building $124,357	$139,477 (-) Land $15,120 Building $124,357
2025	$699.00	$139,477 Land $15,120 Building $124,357	$139,477 Land $15,120 Building $124,357
2023		$87,639 (-) Land $13,305 Building $74,334	$87,639 (-) Land $13,305 Building $74,334
2022		$87,639 Land $13,305 Building $74,334	$87,639 Land $13,305 Building $74,334

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

Flood

FEMA maps place 1311 Metcalf Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1995 · river or lake flooding

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

Wildfire risk around 1311 Metcalf Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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	CITY OF SHELBY serves 23,600 people · EPA ID NC0123010
Water Source	Surface water
Last State Inspection	Apr 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 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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