2706 S Post Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 2706 S Post Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,252 sqft · built 1958
Lot Size	2.27 acres (98,983 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 2021)
Tax Bill	$1,122 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1343210`

Property Details

APN / Parcel Number

Primary APN	`1343210`
Alternative APN	`3929`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,252 sqft Finished Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2000
Exterior Material	Brick
Lot Area	98,983 sqft (2.27 acres)
Porch	Patio
Porch Area	220 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1343210
Street Address	2706 S POST RD
City	SHELBY
State	NC
Zip	28152-8215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	HWY 180
Legal Subdivision	EARL
Legal Block	4
Legal Lot Number	9
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3010
Census Tract	951601

Owner

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

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 File
Mailing Address	2706 S POST RD, SHELBY, NC 28152-8215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 8, 2021	Warranty Deed, Transfer · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Apr 13, 2018	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 8, 2021 · Amount on Record
Deed Sale	Oct 8, 2021 · Amount on Record
Prior Sale	Apr 13, 2018 · Amount on Record
Deed Document Number	2021200062484
Deed Book / Page	1854 / 674
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	May 14, 2026
Property Address	2706 S POST RD, SHELBY, NC 28152-8215
Document Number	0200128397
Book / Page	1974 / 1201
Instrument Date	Apr 6, 2026
Instrument	2026200128397
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 S POST RD, SHELBY, NC 28152-8215

Mortgage

Document Number	0200128397,
Date	May 14, 2026
Book Page	1974/1201
Instrument	2026200128397

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Nov 1, 2051

Interest

Rate	6%
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 8, 2021
Property Address	2706 S POST RD, SHELBY, NC 28152-8215
Document Number	0018540674
Book / Page	1854 / 674
Instrument Date	Sep 30, 2021
Instrument	200062484
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 S POST RD, SHELBY, NC 28152-8215

Mortgage

Document Number	1854677
Date	Oct 8, 2021
Instrument	1854/677

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 13, 2018
Property Address	2706 S POST RD, SHELBY, NC 28152-8215
Document Number	0017650855
Book / Page	001765 / 000855
Instrument Date	Apr 13, 2018
Instrument	12436
Transaction Type	Transfer
Record Updated	May 14, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2706 S POST RD SHELBY NC 281528215, SHELBY, NC 28152-8215

Mortgage

Document Number	17650858
Date	Apr 13, 2018
Book Page	001765/000858
Instrument	12437

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.37%

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		$176,817 (-) Land $26,086 Building $150,731	$176,817 (-) Land $26,086 Building $150,731
2025	$1,122.00	$176,817 (+282.52%) Land $26,086 Building $150,731	$176,817 (+282.52%) Land $26,086 Building $150,731
2023		$46,224 Land $20,692 Building $25,532	$46,224 Land $20,692 Building $25,532

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 64 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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