240 Thamon Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 240 Thamon Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	3,068 sqft · built 1995
Lot Size	1.65 acres (72,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Nov 2013)
Tax Bill	$5,330 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Jan 2017 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`43442`

Property Details

APN / Parcel Number

Primary APN	`43442`
Alternative APN	`1294114`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	3,068 sqft Finished Area
Upper Floors Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Stone
Foundation Type	Footing
Lot Area	72,238 sqft (1.65 acres)
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Deck Area	800 sqft
Storage Building	Storage Building
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1294114
Street Address	240 THAMON RD
City	SHELBY
State	NC
Zip	28150-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#19PB17-105 THAMON CROSSI NG SD
Legal Subdivision	THAMON CROSSI NG
Legal Block	1
Legal Lot Number	168
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3011
Census Tract	950301

Owner

Source: Cleveland County records, as of September 23, 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	240 THAMON RD, SHELBY, NC 28150-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Feb 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Feb 15, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2013 · Amount on Record
Deed Sale	Nov 27, 2013 · Amount on Record
Deed Document Number	201311849
Deed Book / Page	1669 / 260
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	240 THAMON RD, SHELBY, NC 28150-9606
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	ACCURATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017340735
Date	Jan 17, 2017
Book Page	1734/0735
Instrument	2017-000497

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	240 THAMON RD, SHELBY, NC 28150-9606
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017340751
Date	Jan 17, 2017
Book Page	1734/0751
Instrument	2017-000498

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CONCORD, NC 28027

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	240 THAMON RD, SHELBY, NC 28150-9606
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018681237
Date	Mar 28, 2022
Book Page	1868/1237
Instrument	200070483

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.49%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.49%
Index	Prime Rate
Max Rate	8.49%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	240 THAMON RD, SHELBY, NC 28150-9606
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 THAMON RD, SHELBY, NC 28150-9606

Mortgage

Document Number	0018690972
Date	Apr 5, 2022
Book Page	1869/972
Instrument	200070936

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	240 THAMON RD, SHELBY, NC 28150-9606
Document Number	0018072409
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	240 THAMON RD SHELBY NC 281509606, SHELBY, NC 28150-9606

Mortgage

Document Number	0018072409
Date	Feb 21, 2020
Book Page	001807/002409
Instrument	36248

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.29%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	240 THAMON RD, SHELBY, NC 28150-9606
Document Number	0018082489
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	240 THAMON RD SHELBY NC 281509606, SHELBY, NC 28150-9606

Mortgage

Document Number	0018082489
Date	Mar 6, 2020
Book Page	001808/002489
Instrument	36832

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,330.00 (+1.02%)	$830,979 (-) Land $247,500 Building $583,479	$830,979 (-) Land $247,500 Building $583,479
2025	$5,276.00	$830,979 (+42.33%) Land $247,500 Building $583,479	$830,979 (+42.33%) Land $247,500 Building $583,479
2023		$583,838 Land $152,900 Building $430,938	$583,838 Land $152,900 Building $430,938

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 51 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Thamon Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures