1414 Deborah Cir, Shelby, NC 28150 Property Records

Cleveland County property record for 1414 Deborah Cir, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,508 sqft · built 1967
Lot Size	0.362 acres (15,769 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,683 (2026)
Deeds & Mortgages	Aug 2018 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26071`

Property Details

APN / Parcel Number

Primary APN	`26071`
Alternative APN	`1156818`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,508 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	15,769 sqft (0.362 acres)
Lot Dimensions	224 ft deep x 130 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	311 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1156818
Street Address	1414 DEBORAH CIR
City	SHELBY
State	NC
Zip	28150-6116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	#20,21&PT#22&23 BLK B PB8
Legal Subdivision	MORRISON
Legal Block	4
Legal Lot Number	22
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1005
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	1414 DEBORAH CIR, SHELBY, NC 28150-6116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1414 DEBORAH CIR, SHELBY, NC 28150-6116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017741001
Date	Aug 17, 2018
Book Page	1774/1001
Instrument	200017088

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	KINGS MOUNTAIN, NC 28086

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1414 DEBORAH CIR, SHELBY, NC 28150-6116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018062791
Date	Feb 4, 2020
Book Page	1806/2791
Instrument	200035658

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2030

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	$2,683.00 (+1.4%)	$266,003 (-) Land $38,261 Building $227,742	$266,003 (-) Land $38,261 Building $227,742
2025	$2,646.00	$266,003 (+46.56%) Land $38,261 Building $227,742	$266,003 (+46.56%) Land $38,261 Building $227,742
2023		$181,498 Land $34,163 Building $147,335	$181,498 Land $34,163 Building $147,335

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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