138 Crest Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 138 Crest Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,352 sqft · built 2003
Lot Size	5.56 acres (242,194 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Oct 2024)
Tax Bill	$2,412 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28656`

Property Details

APN / Parcel Number

Primary APN	`28656`
Alternative APNs	`1199323` `1366599`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,352 sqft Finished Area
Upper Floors Area	896 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Metal
Lot Area	242,194 sqft (5.56 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1366599
Street Address	138 CREST RD
City	SHELBY
State	NC
Zip	28152-9304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	5.56 AC OFF RD 1123
Legal Block	1
Legal Lot Number	61
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2029
Census Tract	951300

Owner

138 Crest Rd is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	138 CREST RD, SHELBY, NC 28152-9304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2024 · Amount on File
Deed Sale	Oct 28, 2024 · Amount on File
Deed Document Number	2024200106335
Deed Book / Page	1932 / 468
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	138 CREST RD, SHELBY, NC 28152-9304
Transaction Type	Mortgage
Record Updated	Sep 12, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019050203
Date	Aug 23, 2023
Book Page	1905/203
Instrument	200091153

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 138 Crest Rd was $2,412 with a disabled person's exemption, up 2.9% from the year before.

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	$2,412.00 (+2.9%)	$414,183 (-) Land $60,928 Building $353,255	$414,183 (-) Land $60,928 Building $353,255
2025	$2,344.00 Disabled Person's exemption	$414,183 Land $60,928 Building $353,255	$414,183 Land $60,928 Building $353,255
2023		$267,625 Land $41,087 Building $226,538	$267,625 Land $41,087 Building $226,538

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 138 Crest Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 138 Crest Rd is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% 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	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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20