320 E Sumter St, Shelby, NC 28150 Property Records

Cleveland County property record for 320 E Sumter St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	988 sqft · built 1925
Lot Size	0.159 acres (6,950 sqft)
Owner	Company Name on Record
Last Sale	$120,000 (Mar 2026)
Tax Bill	$482 (2026)
Deeds & Mortgages	Mar 2026 Sale Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17909`

Property Details

APN / Parcel Number

Primary APN	`17909`
Alternative APN	`1340452`

Interior

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

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	6,950 sqft (0.159 acres)
Lot Dimensions	139 ft deep x 50 ft wide
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1340452
Street Address	320 E SUMTER ST
City	SHELBY
State	NC
Zip	28150-4663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GB
Legal Description	LOT#23-24 E SUMTER ST PB1-77
Legal Subdivision	SHELBY BUILDING COMPANY PROPERTY
Legal Block	2
Legal Lot Number	23-24
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3040
Census Tract	951000

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	Company Name on Record
Mailing Address	1620 DALE EARNHARDT BLVD, KANNAPOLIS, NC 28083-3210
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Warranty Deed, Transfer
Jul 7, 2021	Warranty Deed, Transfer · Commercial Mortgage CHARLOTTE METRO FCU
Oct 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2026 · Amount on Record
Deed Sale	Mar 4, 2026 · Amount on Record
Prior Sale	Jul 7, 2021 · Amount on Record
Deed Document Number	2026200125330
Deed Book / Page	1968 / 1465
Prior Transfer Date	Oct 26, 2017
Prior Transfer Doc	0017532460
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 4, 2026
Property Address	320 E SUMTER ST, SHELBY, NC 28150-4663
Document Number	0019681465
Book / Page	1968 / 1465
Map Reference	MB 1 PG 77
Instrument Date	Mar 3, 2026
Instrument	200125330
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Amount	Amount Recorded
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8100 SOUTH BLVD # 4001, 4001, CHARLOTTE, NC 28273-5950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 DALE EARNHARDT BLVD, KANNAPOLIS, NC 28083-3210

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 7, 2021
Property Address	320 E SUMTER ST, SHELBY, NC 28150-4663
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

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1310 THEA DR, 1310, SHELBY, NC 28150-3349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2014 EASTWAY DR, CHARLOTTE, NC 28205-4013
Investor	Possibly a Property Investor

Mortgage

Document Number	0018451803
Date	Jul 7, 2021
Instrument	1845/1803

Lender

Name	CHARLOTTE METRO FCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 30, 2017
Property Address	320 E SUMTER ST, SHELBY, NC 28150-4663
Document Number	0017532460
Book / Page	001753 / 002460
Instrument Date	Oct 26, 2017
Instrument	6461
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 837 SHELBY NC 281510837, SHELBY, NC 28151-0837

Tax Assessment & Valuation

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	$482.00 (+11.06%)	$43,649 (-) Land $5,577 Building $38,072	$43,649 (-) Land $5,577 Building $38,072
2025	$434.00	$43,649 (+190.64%) Land $5,577 Building $38,072	$43,649 (+190.64%) Land $5,577 Building $38,072
2023		$15,018 Land $3,007 Building $12,011	$15,018 Land $3,007 Building $12,011

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

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	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.

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 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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