1924 Topic St, Shelby, NC 28152 Property Records

Cleveland County property record for 1924 Topic St, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,294 sqft · built 1910
Lot Size	0.573 acres (25,000 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Aug 2021)
Tax Bill	$1,773 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1341318`

Property Details

APN / Parcel Number

Primary APN	`1341318`
Alternative APN	`3212`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,294 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	25,000 sqft (0.573 acres)
Lot Dimensions	200 ft deep x 125 ft wide

Exterior Amenities

Porch	Slab
Porch Area	905 sqft
Deck Area	42 sqft
Storage Building	160 sqft
Mobile Home / RV Hookup	Mobile Home / RV Hookup

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1341318
Street Address	1924 TOPIC ST
City	SHELBY
State	NC
Zip	28152-8522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	#42 & PT 43 HWY 226 & 180
Legal Subdivision	PATTERSON SPRINGS DEVELOPMENT
Legal Block	1
Legal Lot Number	13
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1013
Census Tract	951602

Owner

1924 Topic St is owned and occupied by an individual who bought it in August 2021.

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	1924 TOPIC ST, SHELBY, NC 28152-8522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Aug 31, 2021	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2021 · Amount on File
Deed Sale	Aug 31, 2021 · Amount on File
Deed Document Number	2021200060570
Deed Book / Page	1850 / 1712
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	1924 TOPIC ST, SHELBY, NC 28152-8522
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019091541
Date	Nov 1, 2023
Book Page	1909/1541
Instrument	200093745

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 9, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 31, 2021
Property Address	1924 TOPIC ST, SHELBY, NC 28152-8522
Document Number	0018501712
Book / Page	1850 / 1712
Map Reference	MB V PG 508
Instrument Date	Aug 31, 2021
Instrument	200060570
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1271 ROCKY HILL LN, 1271, LINCOLNTON, NC 28092-9345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1924 TOPIC ST, SHELBY, NC 28152-8522

Mortgage

Document Number	18501715
Date	Aug 31, 2021
Instrument	1850/1715

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1924 Topic St was $1,773, up 2.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,773.00 (+2.43%)	$220,591 (-) Land $26,362 Building $194,229	$220,591 (-) Land $26,362 Building $194,229
2025	$1,731.00	$220,591 Land $26,362 Building $194,229	$220,591 Land $26,362 Building $194,229
2023		$152,850 Land $20,812 Building $132,038	$152,850 Land $20,812 Building $132,038

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

Flood

FEMA maps place 1924 Topic St 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 1924 Topic St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.05% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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