1332 Frederick St, Shelby, NC 28150 Property Records

Cleveland County property record for 1332 Frederick St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,061 sqft · built 1981
Lot Size	0.475 acres (20,696 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Aug 2026)
Tax Bill	$1,429 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`26910`

Property Details

APN / Parcel Number

Primary APN	`26910`
Alternative APN	`1168344`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,061 sqft Finished Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Lot Area	20,696 sqft (0.475 acres)
Lot Dimensions	199 ft deep x 104 ft wide
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Storage Building	36 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	1168344
Street Address	1332 FREDERICK ST
City	SHELBY
State	NC
Zip	28150-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	#11 FREDRICK ST PB11-87 HARDYS DEV LIFE ESTATE
Legal Subdivision	HARDYS DEVELOPMENT
Legal Block	7
Legal Lot Number	10
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1000
Census Tract	950900

Owner

1332 Frederick St is owned by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	110 E DOUBLE SHOALS RD, SHELBY, NC 28150-7304
Owner Type	Individual
Vesting	Unmarried

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
Aug 5, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Nov 9, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Deed Document Number	2026200131956
Deed Book / Page	1981 / 663
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 5, 2026
Property Address	1332 FREDERICK ST, SHELBY, NC 28150-3506
Document Number	0200131956
Book / Page	1981 / 663
Instrument Date	Aug 4, 2026
Instrument	2026200131956
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,966.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200131957,
Date	Aug 5, 2026
Instrument	2026200131957

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Nov 9, 2022
Property Address	1332 FREDERICK ST, SHELBY, NC 28150-3506
Document Number	0018862251
Book / Page	1886 / 2251
Map Reference	MB 11 PG 87
Instrument Date	Nov 8, 2022
Instrument	200080679
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4601 RIDGELEY DR, 4601, CHARLOTTE, NC 28208-1444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4601 RIDGELEY DR, CHARLOTTE, NC 28208-1444

Tax Assessment & Valuation

The 2026 property tax bill for 1332 Frederick St was $1,429, up 3.2% 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	$1,429.00 (+3.18%)	$139,272 (-) Land $14,430 Building $124,842	$139,272 (-) Land $14,430 Building $124,842
2025	$1,385.00	$139,272 Land $14,430 Building $124,842	$139,272 Land $14,430 Building $124,842
2023		$71,686 Land $12,698 Building $58,988	$71,686 Land $12,698 Building $58,988

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 1332 Frederick St in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 1332 Frederick St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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