Cleveland County property record for 305 Suttle St, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,180 sqft · built 1920 |
| Lot Size | 0.13 acres (5,599 sqft) |
| Owner | Company Name on File |
| Last Sale | $80,000 (Jun 2025) |
| Tax Bill | $455 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17395 |
| Primary APN | 17395 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,180 sqft Finished Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Lot Area | 5,599 sqft (0.13 acres) |
| Lot Dimensions | 123 ft deep x 40 ft wide |
| Garage Type | Carport |
| Garage Area | 135 sqft |
| Carport | Carport |
| Carport Area | 135 sqft |
| Porch | Slab |
| Porch Area | 276 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1273458 |
|---|---|
| Street Address | 305 SUTTLE ST |
| City | SHELBY |
| State | NC |
| Zip | 28150-4530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GB2 |
| Legal Description | 305 SUTTLE ST |
| Legal Block | 4 |
| Legal Lot Number | 49 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 951000 |
305 Suttle St is owned by a company that bought it in June 2025.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 718 S MYRTLE SCHOOL RD, GASTONIA, NC 28052-3524 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2025 · Amount on File |
| Deed Sale | Jun 30, 2025 · Amount on File |
| Deed Document Number | 2025200115605 |
| Deed Book / Page | 1950 / 258 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Apr 30, 2026 |
| Property Address | 305 SUTTLE ST, SHELBY, NC 28150-4530 |
| Document Number | 0200127812 |
| Book / Page | 1973 / 792 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026200127812 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SOURCEPOINT FULFILLMENT SERVICES, SOURCEPOINT FULFILLMENT SERV |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 718 S MYRTLE SCHOOL RD, GASTONIA, NC 28052-3524 |
| Document Number | 0200127812, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 1973/792 |
| Instrument | 2026200127812 |
| Name | COMMERCIAL LENDER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 305 Suttle St was $455, up 11.8% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $455.00 (+11.79%) | $40,975 (-) Land $5,704 Building $35,271 | $40,975 (-) Land $5,704 Building $35,271 |
| 2025 | $407.00 | $40,975 Land $5,704 Building $35,271 | $40,975 Land $5,704 Building $35,271 |
| 2023 | $19,137 Land $14,880 Building $4,257 | $19,137 Land $14,880 Building $4,257 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 305 Suttle St 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
| 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 risk around 305 Suttle St 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 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Ripple Fiber, T-Mobile, Verizon.
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