Cleveland County property record for 208 Nancy Dr, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 2,139 sqft · built 1991 |
| Lot Size | 0.551 acres (24,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Mar 2005) |
| Tax Bill | $4,009 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43282 |
| Primary APN | 43282 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,139 sqft Finished Area |
| Basement Area | 2,139 sqft |
| Unfinished Basement | 2,139 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 24,000 sqft (0.551 acres) |
| Lot Dimensions | 200 ft deep x 120 ft wide |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 2,158 sqft |
| Bath House | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1501501 |
|---|---|
| Street Address | 208 NANCY DR |
| City | SHELBY |
| State | NC |
| Zip | 28152-0902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | #54 RUCKER DOWNS SEC II |
| Legal Subdivision | RUCKER DOWNS |
| Legal Block | 1 |
| Legal Lot Number | 87 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 950701 |
208 Nancy Dr is owned and occupied by two individuals who bought it in March 2005.
Source: Cleveland County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 208 NANCY DR, SHELBY, NC 28152-0902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · Line of Credit TRULIANT FEDERAL CREDIT UNION |
| Jan 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2005 · Amount on File |
| Deed Sale | Mar 1, 2005 · Amount on File |
| Deed Document Number | 200548100 |
| Deed Book / Page | 1442 / 987 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Sep 30, 2026 |
| Property Address | 208 NANCY DR, SHELBY, NC 28152-0902 |
| Document Number | 0200134213 |
| Book / Page | 1985 / 1864 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 2026200134213 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 208 NANCY DR, SHELBY, NC 28152-0902 |
| Document Number | 0200134213, |
|---|---|
| Date | Sep 30, 2026 |
| Book Page | 1985/1864 |
| Instrument | 2026200134213 |
| Name | TRULIANT FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 23, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 208 NANCY DR, SHELBY, NC 28152-0902 |
| Document Number | 0018060077 |
| Instrument Date | Jan 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 208 NANCY DR SHELBY NC 281520902, SHELBY, NC 28152-0902 |
| Document Number | 0018060077 |
|---|---|
| Date | Jan 22, 2020 |
| Book Page | 001806/000077 |
| Instrument | 35153 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 21, 2040 |
The 2026 property tax bill for 208 Nancy Dr was $4,009, up 0.8% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,009.00 (+0.75%) | $399,934 (-) Land $25,308 Building $374,626 | $399,934 (-) Land $25,308 Building $374,626 |
| 2025 | $3,979.00 | $399,934 Land $25,308 Building $374,626 | $399,934 Land $25,308 Building $374,626 |
| 2023 | $279,466 Land $19,980 Building $259,486 | $279,466 Land $19,980 Building $259,486 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 208 Nancy Dr 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 risk around 208 Nancy Dr is low, with a 0.04% 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 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 100 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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