1647 Stony Point Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 1647 Stony Point Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,964 sqft · built 2003
Lot Size	0.942 acres (41,034 sqft)
Owner	Individual Name on Record
Last Sale	$147,262 (Mar 2007)
Tax Bill	$1,735 (2026)
Deeds & Mortgages	Jan 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16478`

Property Details

APN / Parcel Number

Primary APN	`16478`
Alternative APN	`1238920`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,964 sqft Finished Area
Upper Floors Area	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	41,034 sqft (0.942 acres)
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Storage Building	125 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1238920
Street Address	1647 STONY POINT RD
City	SHELBY
State	NC
Zip	28150-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	.942 AC RD 1001
Legal Subdivision	STONY POINT COVE
Legal Block	1
Legal Lot Number	47
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3011
Census Tract	950301

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	Individual Name on Record
Mailing Address	PO BOX 12917, GASTONIA, NC 28052-0018
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2007 · Amount on Record
Deed Sale	Mar 18, 2007 · Amount on Record
Deed Document Number	200788346
Deed Book / Page	1515 / 860
Prior Transfer Date	Mar 7, 2007
Prior Transfer Doc	0015150860
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1647 STONY POINT RD, SHELBY, NC 28150-9774
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 CROSSPOINT CENTER LN F, F, CHARLOTTE, NC 28269-4274

Mortgage

Document Number	0019130391
Date	Jan 9, 2024
Book Page	1913/391
Instrument	200095888

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

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	$1,735.00 (+2.48%)	$266,652 (-) Land $19,782 Building $246,870	$266,652 (-) Land $19,782 Building $246,870
2025	$1,693.00	$266,652 (+47.19%) Land $19,782 Building $246,870	$266,652 (+47.19%) Land $19,782 Building $246,870
2023		$181,163 Land $13,847 Building $167,316	$181,163 Land $13,847 Building $167,316

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	0.06% 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 19 locations within half a mile, as of December 31, 2025

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