221 Nancy Dr, Shelby, NC 28152 Property Records

Cleveland County property record for 221 Nancy Dr, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,124 sqft · built 1993
Lot Size	0.573 acres (25,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,273 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43268`

Property Details

APN / Parcel Number

Primary APN	`43268`
Alternative APN	`1076257`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,124 sqft Finished Area
Upper Floors Area	708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Lot Area	25,000 sqft (0.573 acres)
Lot Dimensions	200 ft deep x 125 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1076257
Street Address	221 NANCY DR
City	SHELBY
State	NC
Zip	28152-0903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	#40PB17-106RUCKERDOWNS SECII
Legal Subdivision	RUCKER DOWNS
Legal Block	1
Legal Lot Number	73
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3009
Census Tract	950701

Owner

Source: Cleveland County records, as of October 16, 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	221 NANCY DR, SHELBY, NC 28152-0903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Oct 21, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	221 NANCY DR, SHELBY, NC 28152-0903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018302294
Date	Jan 13, 2021
Book Page	1830/2294
Instrument	200049413

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	221 NANCY DR, SHELBY, NC 28152-0903
Document Number	0018002973
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 NANCY DR SHELBY NC 281520903, SHELBY, NC 28152-0903

Mortgage

Document Number	0018002973
Date	Oct 24, 2019
Book Page	001800/002973
Instrument	32037

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,273.00 (+1.08%)	$325,525 (-) Land $26,362 Building $299,163	$325,525 (-) Land $26,362 Building $299,163
2025	$3,238.00	$325,525 (+49.12%) Land $26,362 Building $299,163	$325,525 (+49.12%) Land $26,362 Building $299,163
2023		$218,293 Land $20,812 Building $197,481	$218,293 Land $20,812 Building $197,481

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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