318 E Elm St, Shelby, NC 28150 Property Records

Cleveland County property record for 318 E Elm St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	988 sqft · built 1935
Lot Size	0.238 acres (10,385 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Mar 2020)
Tax Bill	$503 (2026)
Deeds & Mortgages	Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`73738`

Property Details

APN / Parcel Number

Primary APN	`73738`
Alternative APN	`1328178`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	988 sqft Finished Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	10,385 sqft (0.238 acres)
Lot Dimensions	155 ft deep x 67 ft wide
Porch	Slab
Porch Area	266 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	1328178
Street Address	318 E ELM ST
City	SHELBY
State	NC
Zip	28150-5958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LOT#14 PB 1-57 BF CURTIS PROPERTY
Legal Subdivision	CURTIS PROPERTY
Legal Block	1
Legal Lot Number	14
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2042
Census Tract	951000

Owner

318 E Elm St is owned by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	606 W GRAHAM ST, SHELBY, NC 28150-5214
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2020 · Amount on File
Deed Sale	Mar 5, 2020 · Amount on File
Prior Sale	Jul 12, 2011 · Amount on File
Deed Document Number	202036817
Deed Book / Page	1808 / 2412
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 5, 2020
Property Address	318 E ELM ST, SHELBY, NC 28150-5958
Document Number	0018082412
Book / Page	001808 / 002412
Instrument Date	Mar 2, 2020
Instrument	36817
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$80.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 W GRAHAM ST SHELBY NC 281505214, SHELBY, NC 28150-5214

Tax Assessment & Valuation

The 2026 property tax bill for 318 E Elm St was $503, up 10.5% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Municipality	Shelby City
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$503.00 (+10.55%)	$45,793 (-) Land $5,865 Building $39,928	$45,793 (-) Land $5,865 Building $39,928
2025	$455.00	$45,793 Land $5,865 Building $39,928	$45,793 Land $5,865 Building $39,928
2023		$6,269 Land $4,485 Building $1,784	$6,269 Land $4,485 Building $1,784

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 318 E Elm St 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 318 E Elm St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Ripple Fiber.

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