Cleveland County property record for 3115 Crowder Ridge Rd, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,613 sqft · built 2020 |
| Lot Size | 5.32 acres (231,739 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,613 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 64590 |
| Primary APN | 64590 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,613 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 231,739 sqft (5.32 acres) |
| Garage Area | 499 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 142 sqft |
| Storage Building | 12 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1262048 |
|---|---|
| Street Address | 3115 CROWDER RIDGE RD |
| City | SHELBY |
| State | NC |
| Zip | 28150-7789 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5.32 AC PB42-194 RD 1352 |
| Legal Block | 2 |
| Legal Lot Number | 99 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 950102 |
3115 Crowder Ridge Rd is owned and occupied by an individual who acquired it in March 2020.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3115 CROWDER RIDGE RD, SHELBY, NC 28150-7789 |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| Jul 26, 2023 | Deed of Trust, Mortgage · Line of Credit WESTERN NORTH CAROLINA SERVICE CORPORATI |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 24, 2020 |
| Transfer Doc | 0018111807 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 3115 CROWDER RIDGE RD, SHELBY, NC 28150-7789 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0018541762 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 1854/1762 |
| Instrument | 200062719 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 3115 CROWDER RIDGE RD, SHELBY, NC 28150-7789 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0019030519 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 1903/519 |
| Instrument | 200090045 |
| Name | WESTERN NORTH CAROLINA SERVICE CORPORATI |
|---|---|
| Type | Non-Lending Institution |
| Address | ASHEVILLE, NC 28802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 3115 Crowder Ridge Rd was $2,613, up 7.8% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,613.00 (+7.8%) | $397,887 (+5.01%) Land $52,356 Building $345,531 | $397,887 (+5.01%) Land $52,356 Building $345,531 |
| 2025 | $2,424.00 | $378,892 Land $52,356 Building $326,536 | $378,892 Land $52,356 Building $326,536 |
| 2023 | $294,937 Land $36,087 Building $258,850 | $294,937 Land $36,087 Building $258,850 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3115 Crowder Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2012 |
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 risk around 3115 Crowder Ridge Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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