404 Windcrest Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 404 Windcrest Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	918 sqft · built 1988
Lot Size	0.464 acres (20,250 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Mar 2018)
Tax Bill	$1,615 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43595`

Property Details

APN / Parcel Number

Primary APN	`43595`
Alternative APN	`1319650`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	918 sqft Finished Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Metal
Lot Area	20,250 sqft (0.464 acres)
Lot Dimensions	150 ft deep x 135 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	70 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1319650
Street Address	404 WINDCREST DR
City	SHELBY
State	NC
Zip	28150-3611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	#36-40 BLK B IRVIN SD PB8-30
Legal Subdivision	IRVIN SD
Legal Block	6
Legal Lot Number	24
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3030
Census Tract	950800

Owner

404 Windcrest Dr is owned by an individual who bought it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	6 TANGLEWOOD RD PAGET BERMUDA PG 3
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
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
Mar 23, 2018	Warranty Deed, Transfer · FHA Mortgage ALLEN TATE MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2018 · Amount on File
Deed Sale	Mar 23, 2018 · Amount on File
Prior Sale	Feb 11, 2011 · Amount on File
Deed Document Number	201811621
Deed Book / Page	1763 / 1877
Prior Transfer Date	Mar 11, 2011
Prior Transfer Doc	0016130837
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	404 WINDCREST DR, SHELBY, NC 28150-3611
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018632496
Date	Jan 28, 2022
Book Page	1863/2496
Instrument	200067716

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 23, 2018
Property Address	404 WINDCREST DR, SHELBY, NC 28150-3611
Document Number	0017631877
Book / Page	1763 / 1877
Instrument Date	Mar 23, 2018
Instrument	2018-011621
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	811 SANDY RUN CHURCH RD, 811, MOORESBORO, NC 28114-8777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 WINDCREST DR, SHELBY, NC 28150-3611

Mortgage

Document Number	0017631880
Date	Mar 23, 2018
Book Page	1763/1880
Instrument	200011622

Lender

Name	ALLEN TATE MORTGAGE PARTNERS LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28262

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 404 Windcrest Dr was $1,615, up 2.7% 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	$1,615.00 (+2.74%)	$158,064 (-) Land $11,812 Building $146,252	$158,064 (-) Land $11,812 Building $146,252
2025	$1,572.00	$158,064 Land $11,812 Building $146,252	$158,064 Land $11,812 Building $146,252
2023		$91,217 Land $8,127 Building $83,090	$91,217 Land $8,127 Building $83,090

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

Flood

FEMA maps place 404 Windcrest Dr 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 Windcrest Dr 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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% 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 62 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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