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406 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 406 Charles Rd, Shelby, NC 28152 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details1,418 sqft · built 1955
Lot Size0.374 acres (16,320 sqft)
OwnerCompany Name on File
Last Sale$150,000 (Dec 2021)
Tax Bill$1,337 (2025)
Deeds & MortgagesDec 2021 Sale & Line of Credit
Apr 2017 Transfer
Flood ZoneZone X (minimal risk)
APN21586

Property Details

APN / Parcel Number

Primary APN21586
Alternative APN
  • 1342613

Interior

Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area1,418 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1990
Exterior MaterialBrick
Roof MaterialMetal
Lot Area16,320 sqft (0.374 acres)
Lot Dimensions192 ft deep x 85 ft wide
Garage TypeCarport
Garage Area420 sqft
CarportCarport
Carport Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area48 sqft
Deck Area144 sqft
Storage Building320 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHeat Pump

Location & Zoning

Account Number1342613
Street Address406 CHARLES RD
CitySHELBY
StateNC
Zip28152-5120
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT CHARLES RD
Legal Block2
Legal Lot Number9
JurisdictionCLEVELAND NC
Township / Civil DivisionCLEVELAND
Census Block Group1
Census Block1006
Census Tract951200

Owner

Source: Cleveland County records · APN 21586

Assessment roll updated September 30, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address909 GREENTREE DR, CHARLOTTE, NC 28211-2733
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 22, 2021Warranty Deed, Transfer · Line of Credit
BANK OF THE OZARKS
Apr 03, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 22, 2021 · Amount on Record
Deed SaleDec 22, 2021 · Amount on Record
Deed Document Number2021200066166
Deed Book / Page1861 / 73
Last Transfer DateFeb 10, 2022
Transfer Doc0200070422
Record UpdatedSep 20, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLEVELAND NC
Recording DateDec 22, 2021
Property Address406 CHARLES RD, SHELBY, NC 28152-5120
Document Number0018610073
Book / Page1861 / 73
Instrument DateDec 21, 2021
Instrument200066166
Transaction TypeTransfer
Record UpdatedJan 19, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$300.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2004 CHASE HIGH RD, 2004, FOREST CITY, NC 28043-8732

Transferred To (Grantee/Buyer)

NameVerified Name
Address909 GREENTREE DR, CHARLOTTE, NC 28211-2733

Mortgage

Document Number0000186176
DateDec 22, 2021
Instrument1861/76
Lender
NameBANK OF THE OZARKS
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLEVELAND NC
Recording DateApr 03, 2017
Property Address406 CHARLES RD, SHELBY, NC 28152-5120
Document Number0017392149
Book / Page001739 / 002149
Instrument DateMar 06, 2017
Instrument3459
Transaction TypeTransfer
Record UpdatedMay 08, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2004 CHASE HIGH RD FOREST CITY NC 280438732, FOREST CITY, NC 28043-8732

Tax Assessment & Valuation

Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCleveland County
MunicipalityShelby City
Unified School DistrictCleveland County Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$134,450 (-) Land $17,926 Building $116,524$134,450 (-) Land $17,926 Building $116,524
2025$1,337.00$134,450 (+86.11%) Land $17,926 Building $116,524$134,450 (+86.11%) Land $17,926 Building $116,524
2023$72,241 Land $14,152 Building $58,089$72,241 Land $14,152 Building $58,089

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cleveland County (37045C), updated March 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370459512001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims2 (1992–2003)
Most Recent ClaimApr 2003, river or lake flooding

Wildfire

Wildfire RiskLow
above 32% of the US · above 43% of North Carolina
Wildfire LikelihoodAbout 1 in 5,882 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 91 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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