400 Crow Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 400 Crow Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,781 sqft · built 2002
Lot Size	26.1 acres (1,138,223 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,615 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1172350`

Property Details

APN / Parcel Number

Primary APN	`1172350`
Alternative APN	`5831`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,781 sqft Finished Area
Basement Area	1,664 sqft
Unfinished Basement	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2006
Exterior Material	Brick
Foundation Type	Footing
Roof Material	Metal
Lot Area	1,138,223 sqft (26.1 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1172350
Street Address	400 CROW RD
City	SHELBY
State	NC
Zip	28152-0740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	26.13 AC RD 2218
Legal Subdivision	STATE LINE
Legal Block	1
Legal Lot Number	29
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1037
Census Tract	951601

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	2 Individual Names on Record
Mailing Address	400 CROW RD, SHELBY, NC 28152-0740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	400 CROW RD, SHELBY, NC 28152-0740
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CROW RD, SHELBY, NC 28152-0740

Mortgage

Document Number	0018571177
Date	Nov 15, 2021
Book Page	1857/1177
Instrument	200064223

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 10, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	400 CROW RD, SHELBY, NC 28152-0740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017681032
Date	May 25, 2018
Book Page	1768/1032
Instrument	200014003

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

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	$2,615.00 (+2.67%)	$401,240 (-) Land $85,611 Building $315,629	$401,240 (-) Land $85,611 Building $315,629
2025	$2,547.00	$401,240 (+40.57%) Land $85,611 Building $315,629	$401,240 (+40.57%) Land $85,611 Building $315,629
2023		$285,442 Land $52,345 Building $233,097	$285,442 Land $52,345 Building $233,097

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 62% of the US · above 54% 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.

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 35 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

Cell Coverage

5G (outdoors only) and 4G LTE

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