3048 River Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 3048 River Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,105 sqft · built 2019
Lot Size	0.72 acres (31,363 sqft)
Owner	Individual Name on File
Tax Bill	$3,088 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1346443`

Property Details

APN / Parcel Number

Primary APN	`1346443`
Alternative APNs	`1315296` `1001`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,105 sqft Finished Area
Upper Floors Area	499 sqft
Basement Area	234 sqft
Unfinished Basement	234 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	31,363 sqft (0.72 acres)
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1346443
Street Address	3048 RIVER RD
City	SHELBY
State	NC
Zip	28152-8645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#1A RIVERBEND II PB 18 - 164
Legal Subdivision	RIVERBEND II
Legal Block	C
Legal Lot Number	15
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1027
Census Tract	951503

Owner

3048 River Rd is owned and occupied by an individual who acquired it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3048 RIVER RD, SHELBY, NC 28152-8645
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
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 14, 2022	Intrafamily Transfer, Transfer
Aug 7, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FARM CREDIT SVCS
May 1, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 10, 2022
Transfer Doc	0018650101
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	3048 RIVER RD, SHELBY, NC 28152-8645
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018830161
Date	Sep 22, 2022
Book Page	1883/161
Instrument	200078649

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LINCOLNTON, NC 28093

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	3048 RIVER RD, SHELBY, NC 28152-8645
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018421712
Date	Jun 3, 2021
Book Page	1842/1712
Instrument	200056080

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	3048 RIVER RD, SHELBY, NC 28152-8645
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018550604
Date	Oct 21, 2021
Book Page	1855/604
Instrument	200063080

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Feb 14, 2022
Property Address	3048 RIVER RD, SHELBY, NC 28152-8645
Document Number	0018650101
Book / Page	1865 / 101
Map Reference	MB 18 PG 164
Instrument Date	Feb 6, 2022
Instrument	200068458
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3048 RIVER RD, SHELBY, NC 28152-8645

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 7, 2019
Property Address	3048 RIVER RD, SHELBY, NC 28152-8645
Document Number	0017961207
Book / Page	001796 / 001207
Instrument Date	Aug 6, 2019
Instrument	29136
Transaction Type	Construction Loan
Record Updated	Sep 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3048 RIVER RD SHELBY NC 28152, SHELBY, NC 28152

Mortgage

Document Number	17961207
Date	Aug 7, 2019
Book Page	001796/001207
Instrument	29136

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LIBERTY, NC 27298

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 1, 2017
Property Address	3048 RIVER RD, SHELBY, NC 28152-8645
Document Number	0017411533
Book / Page	001741 / 001533
Instrument Date	Apr 24, 2017
Instrument	4385
Transaction Type	Transfer
Record Updated	Jul 10, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 CHICKASAW DR SHELBY NC 281527737, SHELBY, NC 28152-7737

Tax Assessment & Valuation

The 2026 property tax bill for 3048 River Rd was $3,088, 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
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,088.00 (+1.15%)	$496,479 (-) Land $38,452 Building $458,027	$496,479 (-) Land $38,452 Building $458,027
2025	$3,053.00	$496,479 Land $38,452 Building $458,027	$496,479 Land $38,452 Building $458,027
2023		$350,019 Land $33,436 Building $316,583	$350,019 Land $33,436 Building $316,583

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

Flood

FEMA maps place 3048 River Rd 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 3048 River Rd is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.07% 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	CITY OF SHELBY serves 23,600 people · EPA ID NC0123010
Water Source	Surface water
Last State Inspection	Apr 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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