1411 Deborah Cir, Shelby, NC 28150 Property Records

Cleveland County property record for 1411 Deborah Cir, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,589 sqft · built 1960
Lot Size	0.455 acres (19,824 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,183 (2026)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26060`

Property Details

APN / Parcel Number

Primary APN	`26060`
Alternative APN	`1319113`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,589 sqft Finished Area
Basement Area	1,589 sqft
Unfinished Basement	1,589 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	19,824 sqft (0.455 acres)
Lot Dimensions	177 ft deep x 112 ft wide
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1319113
Street Address	1411 DEBORAH CIR
City	SHELBY
State	NC
Zip	28150-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LOT 6-7 BLK C MORRISON HEIGHTS PB8-43
Legal Subdivision	MORRISON
Legal Block	3
Legal Lot Number	6-7
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1000
Census Tract	950702

Owner

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	2 Individual Names on Record
Mailing Address	1411 DEBORAH CIR, SHELBY, NC 28150-6115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 31, 2018
Property Address	1411 DEBORAH CIR, SHELBY, NC 28150-6115
Document Number	0017600679
Book / Page	1760 / 0679
Instrument Date	Jan 25, 2018
Instrument	2017-009730
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017600684
Date	Jan 31, 2018
Book Page	1760/0684

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

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	$2,183.00 (+1.82%)	$215,510 (-) Land $26,006 Building $189,504	$215,510 (-) Land $26,006 Building $189,504
2025	$2,144.00	$215,510 (+79.58%) Land $26,006 Building $189,504	$215,510 (+79.58%) Land $26,006 Building $189,504
2023		$120,005 Land $23,587 Building $96,418	$120,005 Land $23,587 Building $96,418

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · Severe Storms, Tornadoes, And 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

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	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 138 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 / 1,000
AT&T DSL	100 / 20

May also be available: Verizon.

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