Cleveland County property record for 312 E Sumter St, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,155 sqft · built 1938 |
| Lot Size | 0.257 acres (11,200 sqft) |
| Owner | Company Name on File |
| Last Sale | $685,000 (Jul 2021) |
| Tax Bill | $509 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage May 2018 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17282 |
| Primary APN | 17282 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,155 sqft Finished Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,200 sqft (0.257 acres) |
| Lot Dimensions | 224 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 345 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1340452 |
|---|---|
| Street Address | 312 E SUMTER ST |
| City | SHELBY |
| State | NC |
| Zip | 28150-4647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GB |
| Legal Description | LOT 13-14 E SUMTER ST |
| Legal Subdivision | MRS Z GREENES PROPERTY |
| Legal Block | 2 |
| Legal Lot Number | 13-14 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 951000 |
Source: Cleveland County records · APN 17282
Assessment roll updated September 30, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 8100 SOUTH BLVD, 4001, CHARLOTTE, NC 28273-5950 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 07, 2021 | Warranty Deed, Transfer · Commercial Mortgage CHARLOTTE METRO FCU |
| May 24, 2018 | Warranty Deed, Construction Loan · Construction Mortgage MVB MTG |
| Oct 30, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 07, 2021 · Amount on Record |
| Deed Sale | Jul 07, 2021 · Amount on Record |
| Prior Sale | Jul 31, 2020 · Amount on Record |
| Deed Document Number | 2021200057743 |
| Deed Book / Page | 1845 / 1799 |
| Prior Transfer Date | Oct 26, 2017 |
| Prior Transfer Doc | 0017532481 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 07, 2021 |
| Property Address | 312 E SUMTER ST, SHELBY, NC 28150-4647 |
| Document Number | 0018451799 |
| Book / Page | 1845 / 1799 |
| Map Reference | MB 1 PG 77 |
| Instrument Date | May 14, 2021 |
| Instrument | 200057743 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,370.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1310 THEA DR, 1310, SHELBY, NC 28150-3349 |
| Name | Verified Name |
|---|---|
| Address | 2014 EASTWAY DR, CHARLOTTE, NC 28205-4013 |
| Investor | Possibly a Property Investor |
| Document Number | 0018451803 |
|---|---|
| Date | Jul 07, 2021 |
| Instrument | 1845/1803 |
| Name | CHARLOTTE METRO FCU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 24, 2018 |
| Property Address | 312 E SUMTER ST, SHELBY, NC 28150-4647 |
| Document Number | 0017680910 |
| Book / Page | 001768 / 000910 |
| Instrument Date | May 24, 2018 |
| Instrument | 13980 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 21, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $42.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 312 E SUMTER ST SHELBY NC 281504647, SHELBY, NC 28150-4647 |
| Document Number | 17680913 |
|---|---|
| Date | May 24, 2018 |
| Book Page | 001768/000913 |
| Instrument | 13981 |
| Name | MVB MTG |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 23, 2019 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Oct 30, 2017 |
| Property Address | 312 E SUMTER ST, SHELBY, NC 28150-4647 |
| Document Number | 0017632481 |
| Book / Page | 001763 / 002481 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 6465 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 837 SHELBY NC 281510837, SHELBY, NC 28151-0837 |
Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,223 (-) Land $6,497 Building $44,726 | $51,223 (-) Land $6,497 Building $44,726 | |
| 2025 | $509.00 | $51,223 (+108.53%) Land $6,497 Building $44,726 | $51,223 (+108.53%) Land $6,497 Building $44,726 |
| 2023 | $24,564 Land $3,503 Building $21,061 | $24,564 Land $3,503 Building $21,061 |
Source: FEMA National Flood Hazard Layer as of March 5, 2020 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Hotwire Communications, Ripple Fiber, T-Mobile USA, Verizon.
Based on FCC filings for 232 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SHELBY serves 23,600 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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