404 Gold St, Shelby, NC 28150 Property Records

Cleveland County property record for 404 Gold St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,040 sqft · built 1949
Lot Size	0.314 acres (13,680 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Jul 2020)
Tax Bill	$1,507 (2026)
Deeds & Mortgages	Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`19403`

Property Details

APN / Parcel Number

Primary APN	`19403`
Alternative APN	`1189426`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,040 sqft Finished Area
Attic	Attic
Attic Area	374 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	13,680 sqft (0.314 acres)
Lot Dimensions	180 ft deep x 76 ft wide
Garage Area	304 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1189426
Street Address	404 GOLD ST
City	SHELBY
State	NC
Zip	28150-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	#31BLK O PB3-1 YOUNG SD
Legal Subdivision	YOUNG SD
Legal Block	2
Legal Lot Number	4
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2015
Census Tract	951100

Owner

404 Gold St is owned by an individual who bought it in July 2020.

Source: Cleveland County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	796 KENMORE ST, SHELBY, NC 28150-3547
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2020 · Amount on File
Deed Sale	Jul 17, 2020 · Amount on File
Prior Sale	Feb 4, 2010 · Amount on File
Deed Document Number	202041687
Deed Book / Page	1817 / 509
Prior Transfer Date	Jul 10, 2020
Prior Transfer Doc	0018170509
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 17, 2020
Property Address	404 GOLD ST, SHELBY, NC 28150-5636
Document Number	0018170509
Book / Page	001817 / 000509
Instrument Date	Jul 10, 2020
Instrument	41687
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$80.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	796 KENMORE ST SHELBY NC 281503547, SHELBY, NC 28150-3547

Tax Assessment & Valuation

The 2026 property tax bill for 404 Gold St was $1,507, up 2.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,507.00 (+2.94%)	$147,191 (-) Land $11,491 Building $135,700	$147,191 (-) Land $11,491 Building $135,700
2025	$1,464.00	$147,191 Land $11,491 Building $135,700	$147,191 Land $11,491 Building $135,700
2023		$68,057 Land $9,439 Building $58,618	$68,057 Land $9,439 Building $58,618

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

Flood

FEMA maps place 404 Gold St 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 404 Gold St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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	CITY OF SHELBY serves 23,600 people · EPA ID NC0123010
Water Source	Surface water
Last State Inspection	Apr 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20