1430 Derby Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 1430 Derby Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,564 sqft · built 1980
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,699 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`52039`

Property Details

APN / Parcel Number

Primary APN	`52039`
Alternative APN	`1320979`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,564 sqft Finished Area
Basement Area	1,564 sqft
Unfinished Basement	1,564 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	148,104 sqft (3.4 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	552 sqft
Deck Area	240 sqft
Shed	1 Shed
Shed Area	49 sqft
Canopy	400 sqft
Storage Building	360 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1320979
Street Address	1430 DERBY DR
City	SHELBY
State	NC
Zip	28150-9479
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	3.4 AC RD 1347
Legal Subdivision	LATTIMORE
Legal Block	1
Legal Lot Number	45
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1011
Census Tract	951400

Owner

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	2 Individual Names on Record
Mailing Address	1430 DERBY DR, SHELBY, NC 28150-9479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS
Aug 8, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1430 DERBY DR, SHELBY, NC 28150-9479
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1430 DERBY DR, SHELBY, NC 28150-9479

Mortgage

Document Number	0018470128
Date	Jul 23, 2021
Book Page	1847/128
Instrument	200058578

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	SHELBY, NC 28150

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 8, 2018
Property Address	1430 DERBY DR, SHELBY, NC 28150-9479
Document Number	0017731732
Book / Page	001773 / 001732
Instrument Date	Aug 8, 2018
Instrument	16726
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1430 DERBY DR SHELBY NC 281509479, SHELBY, NC 28150-9479

Tax Assessment & Valuation

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	$1,699.00 (+4.43%)	$256,302 (-) Land $39,120 Building $217,182	$256,302 (-) Land $39,120 Building $217,182
2025	$1,627.00	$256,302 (+16.69%) Land $39,120 Building $217,182	$256,302 (+16.69%) Land $39,120 Building $217,182
2023		$219,642 Land $29,784 Building $189,858	$219,642 Land $29,784 Building $189,858

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	0.08% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Derby Dr

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