3910 Fallston Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 3910 Fallston Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,210 sqft · built 1970
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (Sep 2012)
Tax Bill	$1,817 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37081`

Property Details

APN / Parcel Number

Primary APN	`37081`
Alternative APN	`1284668`

Interior

Stories	1 Story
Building Area	2,210 sqft Finished Area
Basement Area	1,814 sqft
Finished Basement	628 sqft
Unfinished Basement	1,186 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	69,696 sqft (1.6 acres)
Lot Dimensions	200 ft deep x 300 ft wide
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1284668
Street Address	3910 FALLSTON RD
City	SHELBY
State	NC
Zip	28150-9267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA4
Legal Description	1.6 AC HWY 18
Legal Subdivision	BEAMS MILL
Legal Block	E
Legal Lot Number	3
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1025
Census Tract	950200

Owner

3910 Fallston Rd is owned by an individual who bought it in September 2012.

Source: Cleveland County records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 715, FALLSTON, NC 28042-0715
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 24, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 22, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2012 · Amount on File
Deed Sale	Sep 5, 2012 · Amount on File
Deed Book / Page	1641 / 1314
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	3910 FALLSTON RD, SHELBY, NC 28150-9267
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3910 FALLSTON RD, SHELBY, NC 28150-9267

Mortgage

Document Number	0019060204
Date	Sep 8, 2023
Book Page	1906/204
Instrument	200091743

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	3910 FALLSTON RD, SHELBY, NC 28150-9267
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018522340
Date	Sep 24, 2021
Book Page	1852/2340
Instrument	200061727

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	3910 FALLSTON RD, SHELBY, NC 28150-9267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017900649
Date	Apr 22, 2019
Book Page	1790/0649
Instrument	200025383

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 22, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 3910 Fallston Rd was $1,817, up 4.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,817.00 (+4.07%)	$274,981 (-) Land $49,950 Building $225,031	$274,981 (-) Land $49,950 Building $225,031
2025	$1,746.00	$274,981 Land $49,950 Building $225,031	$274,981 Land $49,950 Building $225,031
2023		$175,767 Land $41,625 Building $134,142	$175,767 Land $41,625 Building $134,142

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

Flood

FEMA maps place 3910 Fallston Rd 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

Wildfire risk around 3910 Fallston Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% 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	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

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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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