322 E Sumter St, Shelby, NC 28150 Property Records

Cleveland County property record for 322 E Sumter St, Shelby, NC 28150

Property Summary

Property Type	Commercial
Details	built 2019
Lot Size	0.194 acres (8,450 sqft)
Owner	Company Name on Record
Last Sale	$685,000 (Jul 2021)
Tax Bill	$83 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17910`

Property Details

APN / Parcel Number

Primary APN	`17910`
Alternative APN	`1340452`

Interior

Units	5 Units

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	8,450 sqft (0.194 acres)
Lot Dimensions	169 ft deep x 50 ft wide
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces
Storage Building	Storage Building

Location & Zoning

Account Number	1340452
Street Address	322 E SUMTER ST
City	SHELBY
State	NC
Zip	28150-2624
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	GB
Legal Description	LOT 25-26 PALM ST PB1-77
Legal Subdivision	SHELBY BUILDING COMPANY PROPERTY
Legal Block	2
Legal Lot Number	25-26
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	8100 SOUTH BLVD, 4001, CHARLOTTE, NC 28273-5950
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
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	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Deed Document Number	2021200057743
Deed Book / Page	1845 / 1799
Prior Transfer Date	Oct 26, 2017
Prior Transfer Doc	0017532460
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Aug 26, 2026
Property Address	322 E SUMTER ST, SHELBY, NC 28150-2624
Document Number	0200132832
Book / Page	1982 / 2615
Instrument Date	Aug 25, 2026
Instrument	2026200132832
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0200132832,
Date	Aug 26, 2026
Book Page	1982/2615
Instrument	2026200132832

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 7, 2021
Property Address	322 E SUMTER ST, SHELBY, NC 28150-2624
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	322 E SUMTER ST, SHELBY, NC 28150-2624
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	$83.00	$8,345 (-) Land $6,095 Building $2,250	$8,345 (-) Land $6,095 Building $2,250
2025	$83.00	$8,345 (+81.45%) Land $6,095 Building $2,250	$8,345 (+81.45%) Land $6,095 Building $2,250
2023		$4,599 Land $3,286 Building $1,313	$4,599 Land $3,286 Building $1,313

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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