1312 Frederick St, Shelby, NC 28150 Property Records

Cleveland County property record for 1312 Frederick St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,230 sqft · built 1970
Lot Size	0.759 acres (33,100 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,222 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23468`

Property Details

APN / Parcel Number

Primary APN	`23468`
Alternative APN	`1078949`

Interior

Stories	1 Story
Building Area	2,230 sqft Finished Area
Basement Area	892 sqft
Finished Basement	446 sqft
Unfinished Basement	446 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1987
Exterior Material	Brick
Lot Area	33,100 sqft (0.759 acres)
Lot Dimensions	331 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft
Deck Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1078949
Street Address	1312 FREDERICK ST
City	SHELBY
State	NC
Zip	28150-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	1312 FREDERICK ST
Legal Subdivision	W G DEDMON PROP
Legal Block	1
Legal Lot Number	28
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1000
Census Tract	950900

Owner

Source: Cleveland County records, as of August 18, 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	1312 FREDERICK ST, SHELBY, NC 28150-3506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1312 FREDERICK ST, SHELBY, NC 28150-3506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018011629
Date	Nov 1, 2019
Book Page	1801/1629
Instrument	200032358

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1312 FREDERICK ST, SHELBY, NC 28150-3506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018172609
Date	Jul 28, 2020
Book Page	1817/2609
Instrument	200042070

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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		$122,815 (-) Land $9,027 Building $113,788	$122,815 (-) Land $9,027 Building $113,788
2025	$1,222.00	$122,815 (+41.97%) Land $9,027 Building $113,788	$122,815 (+41.97%) Land $9,027 Building $113,788
2023		$86,509 Land $6,018 Building $80,491	$86,509 Land $6,018 Building $80,491

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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Ripple Fiber.

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