225 Nancy Dr, Shelby, NC 28152 Property Records

Cleveland County property record for 225 Nancy Dr, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,885 sqft · built 1992
Lot Size	0.573 acres (25,000 sqft)
Owner	2 Individual Names on File
Last Sale	$234,000 (Sep 2019)
Tax Bill	$3,170 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43266`

Property Details

APN / Parcel Number

Primary APN	`43266`
Alternative APN	`1325815`

Interior

Stories	1 Story
Building Area	1,885 sqft Finished Area
Upper Floors Area	495 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,000 sqft (0.573 acres)
Lot Dimensions	200 ft deep x 125 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	145 sqft
Deck Area	192 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1325815
Street Address	225 NANCY DR
City	SHELBY
State	NC
Zip	28152-0903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	#38PB17-106 RUCKER DOWNS SEC
Legal Subdivision	RUCKER DOWNS
Legal Block	1
Legal Lot Number	71
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3009
Census Tract	950701

Owner

225 Nancy Dr is owned and occupied by two individuals who bought it in September 2019.

Source: Cleveland County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	225 NANCY DR, SHELBY, NC 28152-0903
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Prior Sale	Sep 2, 2011 · Amount on File
Deed Document Number	2019200030321
Deed Book / Page	1798 / 816
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 10, 2019
Property Address	225 NANCY DR, SHELBY, NC 28152-0903
Document Number	0017980816
Book / Page	1798 / 0816
Map Reference	MB 17 PG 105
Instrument Date	Sep 10, 2019
Instrument	200030321
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1122 LAVENDER RD, 1122, GROVER, NC 28073-9716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 NANCY DR, SHELBY, NC 28152-0903

Mortgage

Document Number	200030322
Date	Sep 10, 2019
Instrument	200030322

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 225 Nancy Dr was $3,170, up 1.1% 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	Shelby City
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,170.00 (+1.12%)	$315,153 (-) Land $26,362 Building $288,791	$315,153 (-) Land $26,362 Building $288,791
2025	$3,135.00	$315,153 Land $26,362 Building $288,791	$315,153 Land $26,362 Building $288,791
2023		$208,917 Land $20,812 Building $188,105	$208,917 Land $20,812 Building $188,105

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

Flood

FEMA maps place 225 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

Wildfire risk around 225 Nancy Dr is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% 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

Nearby Properties on Nancy Dr

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