405 E Marion St, Shelby, NC 28150 Property Records

Cleveland County property record for 405 E Marion St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,284 sqft · built 1927
Lot Size	0.25 acres (10,793 sqft)
Owner	2 Company Names on File
Last Sale	$225,000 (Oct 2021)
Tax Bill	$2,956 (2026)
Deeds & Mortgages	Sep 2022 Sale Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17318`

Property Details

APN / Parcel Number

Primary APN	`17318`
Alternative APNs	`1343318` `1311068`

Interior

Stories	1 Story
Building Area	2,284 sqft Finished Area
Attic	Attic
Attic Area	802 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1985
Exterior Material	Brick
Foundation Type	Footing
Lot Area	10,793 sqft (0.25 acres)
Lot Dimensions	140 ft deep x 61 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	68 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1311068
Street Address	405 E MARION ST
City	SHELBY
State	NC
Zip	28150-4664
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GB
Legal Description	LOT#1-4 PB2-5 GIDNEY PROP
Legal Subdivision	GIDNEY
Legal Block	3
Legal Lot Number	1-4
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3061
Census Tract	951000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	1219 FALLSTON RD, SHELBY, NC 28150-3433
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Warranty Deed, Transfer
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage SHARONVIEW FCU
Aug 3, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Feb 24, 2012 · Amount on File
Deed Document Number	2021200062846
Deed Book / Page	1854 / 2357
Prior Transfer Date	Feb 22, 2012
Prior Transfer Doc	0016301331
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 28, 2022
Property Address	405 E MARION ST, SHELBY, NC 28150-4664
Document Number	0018831478
Book / Page	1883 / 1478
Map Reference	MB 2 PG 5
Instrument Date	Sep 27, 2022
Instrument	200078895
Transaction Type	Transfer
Record Updated	Oct 11, 2022

Transaction

Amount	Amount on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1219 FALLSTON RD, SHELBY, NC 28150-3433

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 15, 2021
Property Address	405 E MARION ST, SHELBY, NC 28150-4664
Document Number	0018542357
Book / Page	1854 / 2357
Map Reference	MB 2 PG 5
Instrument Date	Oct 15, 2021
Instrument	200062846
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2978 LAURA RD, 2978, SHELBY, NC 28150-9315

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18542360
Date	Oct 15, 2021
Instrument	1854/2360

Lender

Name	SHARONVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	405 E MARION ST, SHELBY, NC 28150-4664
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017730885
Date	Aug 3, 2018
Book Page	1773/0885
Instrument	200016545

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

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	$2,956.00 (+1.23%)	$293,517 (-) Land $94,086 Building $199,431	$293,517 (-) Land $94,086 Building $199,431
2025	$2,920.00	$293,517 (+406.33%) Land $94,086 Building $199,431	$293,517 (+406.33%) Land $94,086 Building $199,431
2023		$57,969 Land $14,274 Building $43,695	$57,969 Land $14,274 Building $43,695

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 96% 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	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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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