406 Suttle St, Shelby, NC 28150 Property Records

Cleveland County property record for 406 Suttle St, Shelby, NC 28150

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,536 sqft · built 1973
Lot Size	0.57 acres (24,640 sqft)
Owner	Company Name on Record
Tax Bill	$808 (2026)
Deeds & Mortgages	Jan 2020 Transfer Jan 2020 Transfer
Flood Zone	Zone X (moderate risk)
APN	`17286`

Property Details

APN / Parcel Number

Primary APN	`17286`
Alternative APNs	`1327847` `1344880`

Interior

Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	2,536 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Lot Area	24,640 sqft (0.57 acres)
Lot Dimensions	140 ft deep x 176 ft wide
Canopy	436 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1344880
Street Address	406 SUTTLE ST
City	SHELBY
State	NC
Zip	28150-4533
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	GB
Legal Description	406 SUTTLE ST BLDG & PAV
Legal Block	2
Legal Lot Number	21
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3040
Census Tract	951000

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 223, SHELBY, NC 28151-0223
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 21, 2020
Transfer Doc	0018060439
Record Updated	Oct 29, 2026

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 23, 2020
Property Address	406 SUTTLE ST, SHELBY, NC 28150-4533
Document Number	0018060439
Book / Page	001806 / 000439
Instrument Date	Jan 21, 2020
Instrument	35237
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	PO BOX 223 SHELBY NC 281510223, SHELBY, NC 28151-0223

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 23, 2020
Property Address	406 SUTTLE ST, SHELBY, NC 28150-4533
Document Number	0018060448
Book / Page	001806 / 000448
Instrument Date	Jan 21, 2020
Instrument	35238
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 223 SHELBY NC 281510223, SHELBY, NC 28151-0223

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	$808.00 (-0.37%)	$81,573 (-) Land $24,317 Building $57,256	$81,573 (-) Land $24,317 Building $57,256
2025	$811.00	$81,573 (+44.07%) Land $24,317 Building $57,256	$81,573 (+44.07%) Land $24,317 Building $57,256
2023		$56,622 Land $13,109 Building $43,513	$56,622 Land $13,109 Building $43,513

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

Flood

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Ripple Fiber, T-Mobile, Verizon.

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