Cleveland County property record for 3550 Plainfield Dr, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 2,057 sqft · built 1982 |
| Lot Size | 1.99 acres (86,684 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,280 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40589 |
| Primary APN | 40589 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,057 sqft Finished Area |
| Basement Area | 2,057 sqft |
| Finished Basement | 914 sqft |
| Unfinished Basement | 1,143 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Lot Area | 86,684 sqft (1.99 acres) |
| Garage Type | Carport |
| Garage Area | 484 sqft |
| Carport | Carport |
| Carport Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 224 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1079277 |
|---|---|
| Street Address | 3550 PLAINFIELD DR |
| City | SHELBY |
| State | NC |
| Zip | 28150-9379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA4 |
| Legal Description | 1.99 AC RD 1825 |
| Legal Subdivision | BEAMS MILL |
| Legal Block | 1 |
| Legal Lot Number | 57 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 950200 |
3550 Plainfield Dr is owned and occupied by an individual.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3550 PLAINFIELD DR, SHELBY, NC 28150-9379 |
| 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 |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 24, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 3550 PLAINFIELD DR, SHELBY, NC 28150-9379 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9850 PLAINFIELD SR, SHELBY, NC 28150 |
| Document Number | 0018541461 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 1854/1461 |
| Instrument | 200062667 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Sep 27, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 3550 PLAINFIELD DR, SHELBY, NC 28150-9379 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0018072648 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 1807/2648 |
| Instrument | 200036315 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 15, 2040 |
The 2026 property tax bill for 3550 Plainfield Dr was $1,280, 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 | $1,280.00 (+6.14%) | $190,049 (-) Land $25,855 Building $164,194 | $190,049 (-) Land $25,855 Building $164,194 |
| 2025 | $1,206.00 | $190,049 Land $25,855 Building $164,194 | $190,049 Land $25,855 Building $164,194 |
| 2023 | $138,427 Land $21,274 Building $117,153 | $138,427 Land $21,274 Building $117,153 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3550 Plainfield 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 3550 Plainfield Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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