157 Christopher Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 157 Christopher Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	4,368 sqft · built 2000
Lot Size	15 acres (653,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,173 (2026)
Deeds & Mortgages	Feb 2023 Second Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`50873`

Property Details

APN / Parcel Number

Primary APN	`50873`
Alternative APN	`1030459`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	4,368 sqft Finished Area
Upper Floors Area	840 sqft
Basement Area	1,680 sqft
Finished Basement	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	653,400 sqft (15 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Deck Area	416 sqft
Storage Building	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1030459
Street Address	157 CHRISTOPHER RD
City	SHELBY
State	NC
Zip	28152-8217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	15.000 AC RD 1110
Legal Subdivision	SOUTH SHELBY
Legal Block	1
Legal Lot Number	89
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2003
Census Tract	951601

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	157 CHRISTOPHER RD, SHELBY, NC 28152-8217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA
Mar 9, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK NA
Dec 6, 2017	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

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

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	157 CHRISTOPHER RD, SHELBY, NC 28152-8217
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 CHRISTOPHER RD, SHELBY, NC 28152-8217

Mortgage

Document Number	0018920340
Date	Feb 9, 2023
Book Page	1892/340
Instrument	200083730

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	157 CHRISTOPHER RD, SHELBY, NC 28152-8217
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018662490
Date	Mar 9, 2022
Book Page	1866/2490
Instrument	200069533

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	157 CHRISTOPHER RD, SHELBY, NC 28152-8217
Document Number	0017590726
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	157 CHRISTOPHER RD SHELBY NC 281528217, SHELBY, NC 28152-8217

Mortgage

Document Number	0017590726
Date	Jan 18, 2018
Book Page	001759/000726
Instrument	9257

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	157 CHRISTOPHER RD, SHELBY, NC 28152-8217
Document Number	0017590742
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	157 CHRISTOPHER RD SHELBY NC 281528217, SHELBY, NC 28152-8217

Mortgage

Document Number	0017590742
Date	Jan 18, 2018
Book Page	001759/000742
Instrument	9258

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2048

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	$3,173.00 (+2.09%)	$489,530 (-) Land $98,068 Building $391,462	$489,530 (-) Land $98,068 Building $391,462
2025	$3,108.00	$489,530 (+24.48%) Land $98,068 Building $391,462	$489,530 (+24.48%) Land $98,068 Building $391,462
2023		$393,266 Land $70,399 Building $322,867	$393,266 Land $70,399 Building $322,867

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.07% 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 39 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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