143 Ridgefield Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 143 Ridgefield Rd, Shelby, NC 28150

Property Summary

Property Type	Other Improved
Details	1,392 sqft · built 1998
Lot Size	2.02 acres (88,205 sqft)
Owner	Individual Name on File
Last Sale	$102,000 (Aug 2020)
Tax Bill	$755 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`45341`

Property Details

APN / Parcel Number

Primary APN	`45341`
Alternative APN	`1332679`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,392 sqft Total Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Lot Area	88,205 sqft (2.02 acres)
Garage Type	Carport
Garage Area	196 sqft
Carport	Carport
Carport Area	196 sqft
Deck Area	50 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1332679
Street Address	143 RIDGEFIELD RD
City	SHELBY
State	NC
Zip	28150-7758
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R15
Legal Description	#12PB18-51 CHATFIELD FMS PH III MP2
Legal Subdivision	CHATFIELD FMS PH
Legal Phase	1
Legal Block	1
Legal Lot Number	63
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1041
Census Tract	951300

Owner

143 Ridgefield Rd is owned and occupied by an individual who bought it in August 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	143 RIDGEFIELD RD, SHELBY, NC 28150-7758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Aug 13, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 12, 2019	Grant Deed, Transfer ATTORNEY ONLY
Dec 12, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Prior Sale	Apr 12, 2019 · Amount on File
Deed Document Number	202042856
Deed Book / Page	1819 / 748
Prior Transfer Date	Dec 12, 2018
Prior Transfer Doc	0017812327
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	143 RIDGEFIELD RD, SHELBY, NC 28150-7758
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 RIDGEFIELD RD, SHELBY, NC 28150-7758

Mortgage

Document Number	0018802634
Date	Aug 24, 2022
Book Page	1880/2634
Instrument	200077474

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Sep 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 13, 2020
Property Address	143 RIDGEFIELD RD, SHELBY, NC 28150-7758
Document Number	0018190748
Book / Page	1819 / 748
Map Reference	MB 18 PG 51
Instrument Date	Jul 31, 2020
Instrument	200042856
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 VISTA GRANDE CIR, 319, CHARLOTTE, NC 28226-3666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 RIDGEFIELD RD, SHELBY, NC 28150-7758

Mortgage

Document Number	1819751
Date	Aug 13, 2020
Instrument	1819/751

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 12, 2019
Property Address	143 RIDGEFIELD RD, SHELBY, NC 28150-7758
Document Number	0017892379
Book / Page	001789 / 002379
Instrument Date	Apr 5, 2019
Instrument	25135
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$77.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 VISTA GRANDE CIR CHARLOTTE NC 282263666, CHARLOTTE, NC 28226-3666

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 12, 2018
Property Address	143 RIDGEFIELD RD, SHELBY, NC 28150-7758
Document Number	0017812327
Book / Page	001781 / 002327
Instrument Date	Nov 26, 2018
Instrument	21008
Transaction Type	Foreclosure
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$87.17
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14405 WALTERS RD #200 HOUSTON TX 770141345, 200, HOUSTON, TX 77014-1345

Tax Assessment & Valuation

The 2026 property tax bill for 143 Ridgefield Rd was $755, up 9.3% 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	$755.00 (+9.26%)	$111,642 (+2.46%) Land $35,997 Building $75,645	$111,642 (+2.46%) Land $35,997 Building $75,645
2025	$691.00	$108,963 Land $35,997 Building $72,966	$108,963 Land $35,997 Building $72,966
2023		$70,619 Land $31,861 Building $38,758	$70,619 Land $31,861 Building $38,758

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

Flood

FEMA maps place 143 Ridgefield Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 143 Ridgefield Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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