Cleveland County property record for 320 McBrayer St, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,176 sqft · built 2018 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Jan 2022) |
| Tax Bill | $1,824 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage May 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 63344 |
| Primary APN | 63344 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,176 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 84 sqft |
| Deck Area | 54 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1344748 |
|---|---|
| Street Address | 320 MCBRAYER ST |
| City | SHELBY |
| State | NC |
| Zip | 28150-5316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | #3 PB39-25 HOPPS CORNER PH 1 |
| Legal Subdivision | HOPPS CORNER |
| Legal Phase | 1 |
| Legal Block | 3 |
| Legal Lot Number | 50 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 951100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Central Shelby Historic District listed 1983 · 185 contributing resources · NRIS 83001841 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Cleveland County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| May 7, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Jan 10, 2022 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| May 2, 2019 | Deed of Trust, Mortgage · Line of Credit CARTER BK&TR |
| Sep 5, 2018 | Deed of Trust, Mortgage R-ANELL HOUSING GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2022 · Amount on Record |
| Deed Sale | Jan 10, 2022 · Amount on Record |
| Deed Document Number | 2022200066890 |
| Deed Book / Page | 1862 / 1069 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Document Number | 0019551477 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 1955/1477 |
| Instrument | 200118541 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1600 S DOUGLASS RD STE 110, ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Document Number | 0019201963 |
|---|---|
| Date | May 7, 2024 |
| Book Page | 1920/1963 |
| Instrument | 200100064 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|---|
| Type | Non-Lending Institution |
| Address | 451 7TH ST SW, WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jan 10, 2022 |
| Property Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Document Number | 0018621069 |
| Book / Page | 1862 / 1069 |
| Map Reference | MB 39 PG 25 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 200066890 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1249, HUNTERSVILLE, NC 28070-1249 |
| Name | Verified Name |
|---|---|
| Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Document Number | 0018621072 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 1862/1072 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Document Number | 0017902835 |
| Instrument Date | May 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 11920 WILLINGDON RD HUNTERSVILLE NC 280785680, HUNTERSVILLE, NC 28078-5680 |
| Document Number | 0017902835 |
|---|---|
| Date | May 2, 2019 |
| Book Page | 001790/002835 |
| Instrument | 25848 |
| Name | CARTER BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | MOORESVILLE, NC 28115-8097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 1, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 320 MCBRAYER ST, SHELBY, NC 28150-5316 |
| Document Number | 0017751366 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 320 MCBRAYER ST SHELBY NC 28150, SHELBY, NC 28150 |
| Document Number | 0017751366 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 001775/001366 |
| Instrument | 17695 |
| Name | R-ANELL HOUSING GROUP LLC |
|---|
| Amount | Amount Recorded |
|---|
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,824.00 (+2.3%) | $179,222 (-) Land $6,750 Building $172,472 | $179,222 (-) Land $6,750 Building $172,472 |
| 2025 | $1,783.00 | $179,222 (+108.77%) Land $6,750 Building $172,472 | $179,222 (+108.77%) Land $6,750 Building $172,472 |
| 2023 | $85,845 Land $2,250 Building $83,595 | $85,845 Land $2,250 Building $83,595 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 2 in force |
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.
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 | None beyond ember reach |
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 | 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 |
| 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 303 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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