2916 Waterside Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 2916 Waterside Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	3,210 sqft · built 1977
Lot Size	0.46 acres (20,073 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Jul 2017)
Tax Bill	$3,887 (2026)
Deeds & Mortgages	Mar 2020 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25657`

Property Details

APN / Parcel Number

Primary APN	`25657`
Alternative APN	`1237904`

Interior

Stories	1 Story
Building Area	3,210 sqft Finished Area
Basement Area	1,485 sqft
Finished Basement	1,485 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	20,073 sqft (0.46 acres)
Garage Type	Mixed
Garage Area	432 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	643 sqft
Deck Area	152 sqft
Gazebo	Gazebo
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1237904
Street Address	2916 WATERSIDE DR
City	SHELBY
State	NC
Zip	28150-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#5 PB14-80 WOODSIDE PK I
Legal Subdivision	WOODSIDE
Legal Block	2
Legal Lot Number	37
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1001
Census Tract	950701

Owner

2916 Waterside Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2916 WATERSIDE DR, SHELBY, NC 28150-9707
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
Mar 17, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 31, 2017	Warranty Deed, Transfer · ARM MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Deed Document Number	20172000-003238
Deed Book / Page	1747 / 2004
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	2916 WATERSIDE DR, SHELBY, NC 28150-9707
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018091179
Date	Mar 17, 2020
Book Page	1809/1179
Instrument	200037212

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	2916 WATERSIDE DR, SHELBY, NC 28150-9707
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018071906
Date	Feb 19, 2020
Book Page	1807/1906
Instrument	200036142

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2035

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 31, 2017
Property Address	2916 WATERSIDE DR, SHELBY, NC 28150-9707
Document Number	0017472004
Book / Page	1747 / 2004
Instrument Date	Jul 31, 2017
Instrument	2000-003238
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1216 NEW CREST LN, 1216, SHELBY, NC 28150-9781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 KAITLYN LN, KINGS MOUNTAIN, NC 28086-3950

Mortgage

Document Number	0017472007
Date	Jul 31, 2017
Book Page	1747/2007
Instrument	200003239

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

The 2026 property tax bill for 2916 Waterside Dr was $3,887, up 1.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,887.00 (+1.59%)	$602,584 (-) Land $171,000 Building $431,584	$602,584 (-) Land $171,000 Building $431,584
2025	$3,826.00	$602,584 Land $171,000 Building $431,584	$602,584 Land $171,000 Building $431,584
2023		$378,711 Land $152,000 Building $226,711	$378,711 Land $152,000 Building $226,711

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

Flood

FEMA maps place 2916 Waterside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 2916 Waterside Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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