3102 Cliffside Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 3102 Cliffside Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,188 sqft · built 2002
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,000 (Nov 2018)
Tax Bill	$4,363 (2026)
Deeds & Mortgages	Nov 2018 Sale Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54302`

Property Details

APN / Parcel Number

Primary APN	`54302`
Alternative APN	`1320668`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,188 sqft Finished Area
Basement Area	2,048 sqft
Finished Basement	2,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Garage Type	Mixed
Garage Area	1,469 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	314 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1320668
Street Address	3102 CLIFFSIDE RD
City	SHELBY
State	NC
Zip	28152-9688
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	20.0 AC OFF RD 1003
Legal Subdivision	PORTION OF THE SWICEGOOD
Legal Block	1
Legal Lot Number	124
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2005
Census Tract	951501

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	3102 CLIFFSIDE RD, SHELBY, NC 28152-9688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jul 2, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Jan 30, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Jul 2, 2018 · Amount on Record
Deed Document Number	2018200019927
Deed Book / Page	1779 / 2185
Record Updated	Oct 29, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Nov 5, 2018
Property Address	3102 CLIFFSIDE RD, SHELBY, NC 28152-9688
Document Number	0017792185
Book / Page	001779 / 002185
Instrument Date	Nov 5, 2018
Instrument	19927
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$104.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3102 CLIFFSIDE RD SHELBY NC 281529688, SHELBY, NC 28152-9688

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 2, 2018
Property Address	3102 CLIFFSIDE RD, SHELBY, NC 28152-9688
Document Number	0017710358
Book / Page	001771 / 000358
Instrument Date	Jun 29, 2018
Instrument	15345
Transaction Type	Transfer
Record Updated	Aug 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3102 CLIFFSIDE RD SHELBY NC 281529688, SHELBY, NC 28152-9688

Mortgage

Document Number	17710361
Date	Jul 2, 2018
Book Page	001771/000361
Instrument	15346

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	3102 CLIFFSIDE RD, SHELBY, NC 28152-9688
Document Number	0017610630
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018
Title Company	LENDER RECORDING SERVICES

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 CLIFFSIDE RD SHELBY NC 281529688, SHELBY, NC 28152-9688

Mortgage

Document Number	0017610630
Date	Feb 16, 2018
Book Page	001761/000630
Instrument	10286

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

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	$4,363.00 (+1.37%)	$677,920 (-) Land $101,377 Building $576,543	$677,920 (-) Land $101,377 Building $576,543
2025	$4,304.00	$677,920 (+61.49%) Land $101,377 Building $576,543	$677,920 (+61.49%) Land $101,377 Building $576,543
2023		$419,792 Land $46,374 Building $373,418	$419,792 Land $46,374 Building $373,418

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	Moderate above 40% of the US · above 58% 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	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 13 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

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