Cleveland County property record for 405 Davis Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,620 sqft · built 2004 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Oct 2019) |
| Tax Bill | $784 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 58124 |
| Primary APN | 58124 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,620 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 24,829 sqft (0.57 acres) |
| Deck Area | 36 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1326433 |
|---|---|
| Street Address | 405 DAVIS RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-8742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | #2 PB26-1 MEADOWWOODS PH1 |
| Legal Subdivision | MEADOW WOODS |
| Legal Block | 1 |
| Legal Lot Number | 187 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 951601 |
405 Davis Rd is owned and occupied by two individuals who bought it in October 2019.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 DAVIS RD, SHELBY, NC 28152-8742 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Oct 30, 2019 | Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2019 · Amount on File |
| Deed Sale | Oct 30, 2019 · Amount on File |
| Deed Document Number | 2019200032248 |
| Deed Book / Page | 1801 / 1102 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 405 DAVIS RD, SHELBY, NC 28152-8742 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0018601117 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 1860/1117 |
| Instrument | 200065844 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Oct 30, 2019 |
| Property Address | 405 DAVIS RD, SHELBY, NC 28152-8742 |
| Document Number | 0018011102 |
| Book / Page | 1801 / 1102 |
| Map Reference | MB 26 PG 1 |
| Instrument Date | Oct 29, 2019 |
| Instrument | 200032248 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 DAVIS RD, SHELBY, NC 28152-8742 |
| Document Number | 0200032249 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 200032249 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2026 property tax bill for 405 Davis Rd was $784, up 10.7% from the year before.
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 | $784.00 (+10.73%) | $111,544 (-) Land $20,377 Building $91,167 | $111,544 (-) Land $20,377 Building $91,167 |
| 2025 | $708.00 | $111,544 Land $20,377 Building $91,167 | $111,544 Land $20,377 Building $91,167 |
| 2023 | $68,338 Land $18,747 Building $49,591 | $68,338 Land $18,747 Building $49,591 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Davis 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 risk around 405 Davis Rd is low, with a 0.06% annual chance of 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.
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 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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