226 Nancy Dr, Shelby, NC 28152 Property Records

Cleveland County property record for 226 Nancy Dr, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,502 sqft · built 1993
Lot Size	0.642 acres (28,000 sqft)
Owner	2 Individual Names on File
Last Sale	$246,000 (Dec 2017)
Tax Bill	$4,459 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`43291`

Property Details

APN / Parcel Number

Primary APN	`43291`
Alternative APN	`1318038`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,502 sqft Finished Area
Upper Floors Area	1,090 sqft
Basement Area	775 sqft
Finished Basement	411 sqft
Unfinished Basement	364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Lot Area	28,000 sqft (0.642 acres)
Lot Dimensions	200 ft deep x 140 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	55 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1318038
Street Address	226 NANCY DR
City	SHELBY
State	NC
Zip	28152-0902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	#63 PT 62 RUCKER DOWNS II PB17-106
Legal Subdivision	RUCKER DOWNS
Legal Block	1
Legal Lot Number	96
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3010
Census Tract	950701

Owner

226 Nancy Dr is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	226 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.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Mar 31, 2022	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2017 · Amount on File
Deed Sale	Dec 12, 2017 · Amount on File
Deed Document Number	20178102
Deed Book / Page	1757 / 398
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	226 NANCY DR, SHELBY, NC 28152-0902
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018870164
Date	Nov 15, 2022
Book Page	1887/164
Instrument	200080856

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	226 NANCY DR, SHELBY, NC 28152-0902
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018682647
Date	Mar 31, 2022
Book Page	1868/2647
Instrument	200070689

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	226 NANCY DR, SHELBY, NC 28152-0902
Transaction Type	Mortgage
Record Updated	Feb 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018632875
Date	Jan 31, 2022
Book Page	1863/2875
Instrument	200067812

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Mar 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	226 NANCY DR, SHELBY, NC 28152-0902
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 NANCY DR, SHELBY, NC 28152-0902

Mortgage

Document Number	0018451247
Date	Jul 6, 2021
Book Page	1845/1247
Instrument	200057632

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	318 Months
Due	Jan 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 12, 2017
Property Address	226 NANCY DR, SHELBY, NC 28152-0902
Document Number	0017570398
Book / Page	1757 / 0398
Instrument Date	Dec 12, 2017
Instrument	2017-008102
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Tax	$492.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 NANCY DR, SHELBY, NC 28152-0902

Tax Assessment & Valuation

The 2026 property tax bill for 226 Nancy Dr was $4,459, up 0.6% 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	$4,459.00 (+0.63%)	$445,396 (-) Land $29,526 Building $415,870	$445,396 (-) Land $29,526 Building $415,870
2025	$4,431.00	$445,396 Land $29,526 Building $415,870	$445,396 Land $29,526 Building $415,870
2023		$312,267 Land $23,310 Building $288,957	$312,267 Land $23,310 Building $288,957

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

Flood

FEMA maps place 226 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 226 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

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