323 N Main St, Shelby, NC 28152 Property Records

Cleveland County property record for 323 N Main St, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,848 sqft · built 2001
Lot Size	3.02 acres (131,771 sqft)
Owner	Individual Name on Record
Last Sale	$292,500 (May 2020)
Tax Bill	$4,351 (2026)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`54804`

Property Details

APN / Parcel Number

Primary APN	`54804`
Alternative APN	`1330685`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,848 sqft Finished Area
Upper Floors Area	1,424 sqft
Attic	Attic
Attic Area	700 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	131,771 sqft (3.02 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1330685
Street Address	323 N MAIN ST
City	SHELBY
State	NC
Zip	28152-7767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	#2 PB22-77 N MAIN ST
Legal Subdivision	BOILING SPGS
Legal Block	2
Legal Lot Number	28
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3000
Census Tract	951501

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	Individual Name on Record
Mailing Address	323 N MAIN ST, SHELBY, NC 28152-7767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
May 1, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Nov 8, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 12, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	Nov 8, 2018 · Amount on Record
Deed Document Number	202038780
Deed Book / Page	1812 / 666
Prior Transfer Date	Apr 30, 2020
Prior Transfer Doc	0018120666
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	323 N MAIN ST, SHELBY, NC 28152-7767
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018490410
Date	Aug 16, 2021
Book Page	1849/410
Instrument	200059740

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 1, 2020
Property Address	323 N MAIN ST, SHELBY, NC 28152-7767
Document Number	0018120666
Book / Page	1812 / 666
Map Reference	MB 22 PG 77
Instrument Date	Apr 30, 2020
Instrument	200038780
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1426 STONE GATE DR, 1426, SHELBY, NC 28150-6206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 N MAIN ST, SHELBY, NC 28152-7767

Mortgage

Document Number	0018120669
Date	May 1, 2020
Instrument	1812/0669

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Nov 8, 2018
Property Address	323 N MAIN ST, SHELBY, NC 28152-7767
Document Number	0017800489
Book / Page	1780 / 0489
Map Reference	MB 22 PG 77
Instrument Date	Nov 8, 2018
Instrument	200020087
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 264, BOILING SPRINGS, NC 28017-0264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 N MAIN ST, SHELBY, NC 28152-7767

Mortgage

Document Number	0200020088
Date	Nov 8, 2018
Instrument	200020088

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 12, 2017
Property Address	323 N MAIN ST, SHELBY, NC 28152-7767
Document Number	0017421251
Book / Page	1742 / 1251
Map Reference	PL 22 PG 77
Instrument Date	May 11, 2017
Instrument	200000302
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 264, BOILING SPRINGS, NC 28017-0264

Mortgage

Document Number	0017421254
Date	May 12, 2017
Book Page	1742/1254
Instrument	200000303

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Municipality	Boiling Springs Town
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,351.00 (+9.96%)	$457,496 (+2.32%) Land $71,801 Building $385,695	$457,496 (+2.32%) Land $71,801 Building $385,695
2025	$3,957.00	$447,124 (+23.64%) Land $71,801 Building $375,323	$447,124 (+23.64%) Land $71,801 Building $375,323
2023		$361,643 Land $70,555 Building $291,088	$361,643 Land $70,555 Building $291,088

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF BOILING SPRINGS serves 4,769 people · EPA ID NC0123025
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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