405 N Post Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 405 N Post Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,152 sqft · built 1946
Lot Size	0.386 acres (16,830 sqft)
Owner	2 Individual Names on File
Last Sale	$64,000 (Jan 2020)
Tax Bill	$806 (2026)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24219`

Property Details

APN / Parcel Number

Primary APN	`24219`
Alternative APNs	`1327855` `1368266`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,152 sqft Finished Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	16,830 sqft (0.386 acres)
Lot Dimensions	170 ft deep x 99 ft wide
Porch	Slab
Porch Area	445 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1368266
Street Address	405 N POST RD
City	SHELBY
State	NC
Zip	28150-4961
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	#23-26 BLK A PB3-61A MAUN EY SD
Legal Subdivision	MAUN EY SD
Legal Block	2
Legal Lot Number	10
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2026
Census Tract	950701

Owner

405 N Post Rd is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 N POST RD, SHELBY, NC 28150-4961
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on File
Deed Sale	Jan 31, 2020 · Amount on File
Prior Sale	Apr 19, 2016 · Amount on File
Deed Document Number	202035506
Deed Book / Page	1806 / 1868
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	405 N POST RD, SHELBY, NC 28150-4961
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N POST RD SHELBY NC 281504961, SHELBY, NC 28150-4961

Mortgage

Document Number	18061871
Date	Jan 31, 2020
Book Page	001806/001871
Instrument	35507

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 405 N Post Rd was $806, up 6.2% 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	$806.00 (+6.19%)	$76,340 (-) Land $15,741 Building $60,599	$76,340 (-) Land $15,741 Building $60,599
2025	$759.00	$76,340 Land $15,741 Building $60,599	$76,340 Land $15,741 Building $60,599
2023		$59,833 Land $15,741 Building $44,092	$59,833 Land $15,741 Building $44,092

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

Flood

FEMA maps place 405 N Post 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

Wildfire risk around 405 N Post Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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	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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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