1709 Chatfield Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 1709 Chatfield Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,296 sqft · built 1985
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,421 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Feb 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73475`

Property Details

APN / Parcel Number

Primary APN	`73475`
Alternative APN	`20624501`

Interior

Stories	1 Story
Building Area	1,296 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	130,680 sqft (3 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	112 sqft
Shed	1 Shed
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	20624501
Street Address	1709 CHATFIELD RD
City	SHELBY
State	NC
Zip	28150-2894
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	3 AC RD 1343
Legal Subdivision	JOHN ALBERT & JOE BLANTON PROP
Legal Block	1
Legal Lot Number	26
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1027
Census Tract	951400

Owner

1709 Chatfield Rd is owned and occupied by two individuals.

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 File
Mailing Address	1709 CHATFIELD RD, SHELBY, NC 28150-2894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2018	Deed of Trust, Mortgage FIFTH THIRD BANK
Feb 19, 2016	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

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

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1709 CHATFIELD RD, SHELBY, NC 28150-2894
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017601454
Date	Feb 6, 2018
Book Page	1760/1454
Instrument	200009891

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2028

February 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1709 CHATFIELD RD, SHELBY, NC 28150-2894
Document Number	0017361304
Book / Page	001736 / 001304
Instrument Date	Feb 19, 2016
Transaction Type	Mortgage
Record Updated	Apr 24, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0017361304
Date	Feb 16, 2017
Book Page	001736/001304
Instrument	1673

Lender

Name	MISCELLANEOUS GOVT AGCY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1709 Chatfield Rd was $1,421, up 5.5% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,421.00 (+5.49%)	$212,243 (-) Land $41,900 Building $170,343	$212,243 (-) Land $41,900 Building $170,343
2025	$1,347.00	$212,243 Land $41,900 Building $170,343	$212,243 Land $41,900 Building $170,343
2023		$140,932 Land $37,800 Building $103,132	$140,932 Land $37,800 Building $103,132

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

Flood

FEMA maps place 1709 Chatfield Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1709 Chatfield Rd is moderate, ranking above 40% of the US, with a 0.08% 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	0.08% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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