Cleveland County property record for 3954 Five Points Rd, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 3,615 sqft · built 1994 |
| Lot Size | 7.31 acres (318,424 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Sep 2012) |
| Tax Bill | $4,114 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33488 |
| Primary APN | 33488 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 3,615 sqft Finished Area |
| Upper Floors Area | 1,341 sqft |
| Basement Area | 1,341 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 541 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Material | Metal |
| Lot Area | 318,424 sqft (7.31 acres) |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 961 sqft |
| Deck Area | 896 sqft |
| Storage Building | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1284752 |
|---|---|
| Street Address | 3954 FIVE POINTS RD |
| City | SHELBY |
| State | NC |
| Zip | 28150-9075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | 7.31 AC ROAD 1373 |
| Legal Subdivision | DUNCAN CREEK |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 950102 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3954 FIVE POINTS RD, SHELBY, NC 28150-9075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2012 · Amount on Record |
| Deed Sale | Sep 6, 2012 · Amount on Record |
| Prior Sale | Oct 7, 2005 · Amount on Record |
| Deed Book / Page | 1641 / 1455 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 3954 FIVE POINTS RD, SHELBY, NC 28150-9075 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0018222880 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 1822/2880 |
| Instrument | 200044974 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2035 |
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 | $4,114.00 (+1.48%) | $638,520 (-) Land $58,011 Building $580,509 | $638,520 (-) Land $58,011 Building $580,509 |
| 2025 | $4,054.00 | $638,520 (+28.78%) Land $58,011 Building $580,509 | $638,520 (+28.78%) Land $58,011 Building $580,509 |
| 2023 | $495,832 Land $45,110 Building $450,722 | $495,832 Land $45,110 Building $450,722 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2012 |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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 | 0.04% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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