Cleveland County property record for 321 Mercury Dr, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,820 sqft · built 2000 |
| Lot Size | 2.33 acres (101,495 sqft) |
| Owner | Individual Name on File |
| Last Sale | $233,000 (Mar 2023) |
| Tax Bill | $1,285 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage May 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41010 |
| Primary APN | 41010 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,820 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 101,495 sqft (2.33 acres) |
| Deck Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1355240 |
|---|---|
| Street Address | 321 MERCURY DR |
| City | SHELBY |
| State | NC |
| Zip | 28152-7806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | 2.33AC LOT#27 PB16-141&14 |
| Legal Subdivision | EMERALD SHORES |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 951601 |
321 Mercury Dr is owned and occupied by an individual who bought it in March 2023.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 MERCURY DR, SHELBY, NC 28152-7806 |
| 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 |
|---|---|
| Mar 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| May 27, 2022 | Special Warranty Deed, Transfer |
| Aug 4, 2021 | Trustee's Deed, Foreclosure PARAGON LENING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2023 · Amount on File |
| Deed Sale | Mar 14, 2023 · Amount on File |
| Prior Sale | May 27, 2022 · Amount on File |
| Deed Document Number | 2023200084960 |
| Deed Book / Page | 1894 / 697 |
| Prior Transfer Date | Aug 3, 2021 |
| Prior Transfer Doc | 0018480580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 14, 2023 |
| Property Address | 321 MERCURY DR, SHELBY, NC 28152-7806 |
| Document Number | 0018940697 |
| Book / Page | 1894 / 697 |
| Map Reference | MB 16 PG 141&142 |
| Instrument Date | Mar 14, 2023 |
| Instrument | 200084960 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $466.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 824, MAIDEN, NC 28650-0824 |
| Name | Verified Name |
|---|---|
| Address | 321 MERCURY DR, SHELBY, NC 28152-7806 |
| Document Number | 0001894700 |
|---|---|
| Date | Mar 14, 2023 |
| Instrument | 1894/700 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.9% |
| Max Rate At Change | 7.9% |
| Index | 5-Year TN |
| Max Rate | 11% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 27, 2022 |
| Property Address | 321 MERCURY DR, SHELBY, NC 28152-7806 |
| Document Number | 0018740264 |
| Book / Page | 1874 / 264 |
| Map Reference | MB 16 PG 141&142 |
| Instrument Date | May 10, 2022 |
| Instrument | 200073570 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $158.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 75 BEATTIE PL STE 300, 75, GREENVILLE, SC 29601-2138 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 824, MAIDEN, NC 28650-0824 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Aug 4, 2021 |
| Property Address | 321 MERCURY DR, SHELBY, NC 28152-7806 |
| Document Number | 0018480580 |
| Book / Page | 1848 / 580 |
| Instrument Date | Aug 3, 2021 |
| Instrument | 200059184 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $161.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0018480586 |
|---|---|
| Date | Aug 4, 2021 |
| Book Page | 1848/586 |
| Instrument | 200059187 |
| Name | PARAGON LENING |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 321 Mercury Dr was $1,285, up 6.1% 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 | $1,285.00 (+6.11%) | $190,851 (-) Land $27,886 Building $162,965 | $190,851 (-) Land $27,886 Building $162,965 |
| 2025 | $1,211.00 | $190,851 Land $27,886 Building $162,965 | $190,851 Land $27,886 Building $162,965 |
| 2023 | $84,398 Land $18,997 Building $65,401 | $84,398 Land $18,997 Building $65,401 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 321 Mercury Dr 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 risk around 321 Mercury Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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