1421 Deborah Cir, Shelby, NC 28150 Property Records

Cleveland County property record for 1421 Deborah Cir, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,100 sqft · built 1968
Lot Size	1.46 acres (63,956 sqft)
Owner	2 Individual Names on File
Last Sale	$257,000 (Aug 2024)
Tax Bill	$2,555 (2026)
Deeds & Mortgages	Aug 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26057`

Property Details

APN / Parcel Number

Primary APN	`26057`
Alternative APNs	`10363002` `1364908`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,100 sqft Finished Area
Basement Area	2,100 sqft
Unfinished Basement	2,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	Footing
Lot Area	63,956 sqft (1.46 acres)
Garage Type	Mixed
Garage Area	552 sqft
Parking Spaces	5 Parking Spaces
Pool Area	800 sqft
Porch	Slab
Porch Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1364908
Street Address	1421 DEBORAH CIR
City	SHELBY
State	NC
Zip	28150-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	1421 DEBORAH CIRCLE
Legal Subdivision	DEBORAH CIRCLE
Legal Block	3
Legal Lot Number	12
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1000
Census Tract	950702

Owner

1421 Deborah Cir is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1421 DEBORAH CIR, SHELBY, NC 28150-6115
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	Aug 14, 2024 · Amount on File
Deed Sale	Aug 14, 2024 · Amount on File
Deed Document Number	2024200103686
Deed Book / Page	1927 / 674
Record Updated	Oct 29, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 14, 2024
Property Address	1421 DEBORAH CIR, SHELBY, NC 28150-6115
Document Number	0019270674
Book / Page	1927 / 674
Instrument Date	Aug 9, 2024
Instrument	200103686
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$514.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1959 HIGHWAY 101, BEAUFORT, NC 28516-7740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1421 DEBORAH CIR, SHELBY, NC 28150-6115

Mortgage

Document Number	0200103687
Date	Aug 14, 2024
Instrument	200103687

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 1421 Deborah Cir was $2,555, up 1.5% 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	$2,555.00 (+1.51%)	$253,010 (-) Land $37,067 Building $215,943	$253,010 (-) Land $37,067 Building $215,943
2025	$2,517.00	$253,010 Land $37,067 Building $215,943	$253,010 Land $37,067 Building $215,943
2023		$192,227 Land $27,534 Building $164,693	$192,227 Land $27,534 Building $164,693

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

Flood

FEMA maps place 1421 Deborah Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 1421 Deborah Cir 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 64% of the US · above 49% 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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