3814 Towery Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 3814 Towery Rd, Shelby, NC 28150 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1,232 sqft · built 1998
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Tax Bill	$986 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49913`

Property Details

APN / Parcel Number

Primary APN	`49913`
Alternative APN	`1154273`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,232 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	30,492 sqft (0.7 acres)

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	48 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1154273
Street Address	3814 TOWERY RD
City	SHELBY
State	NC
Zip	28150-7041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#1 PB19-74 OHANA AC
Legal Subdivision	OHANA ACRES
Legal Block	1
Legal Lot Number	250
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3069
Census Tract	951400

Owner

Source: Cleveland County records · APN 49913

Assessment roll updated September 30, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3814 TOWERY RD, SHELBY, NC 28150-7041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Jun 08, 2026
Property Address	3814 TOWERY RD, SHELBY, NC 28150-7041
Document Number	0200129385
Book / Page	1976 / 817
Instrument Date	May 29, 2026
Instrument	2026200129385
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 TOWERY RD, SHELBY, NC 28150-7041

Mortgage

Document Number	0200129385,
Date	Jun 08, 2026
Book Page	1976/817
Instrument	2026200129385

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$155,374 (-) Land $18,480 Building $136,894	$155,374 (-) Land $18,480 Building $136,894
2025	$986.00	$155,374 (+37.47%) Land $18,480 Building $136,894	$155,374 (+37.47%) Land $18,480 Building $136,894
2023		$113,028 Land $13,860 Building $99,168	$113,028 Land $13,860 Building $99,168

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cleveland County (37045C), updated March 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 38% of the US · above 54% of North Carolina
Wildfire Likelihood	About 1 in 1,923 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.