409 Ross Grove Rd E, Shelby, NC 28150 Property Records

Cleveland County property record for 409 Ross Grove Rd E, Shelby, NC 28150

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.256 acres (11,180 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Feb 2026)
Tax Bill	$90 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26928`

Property Details

APN / Parcel Number

Primary APN	`26928`
Alternative APN	`1332059`

Exterior

Lot Area	11,180 sqft (0.256 acres)
Lot Dimensions	130 ft deep x 86 ft wide

Location & Zoning

Account Number	1332059
Street Address	409 ROSS GROVE RD E
City	SHELBY
State	NC
Zip	28150-3450
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R10
Legal Description	LOT RD #1827
Legal Subdivision	LIFE ESTATE
Legal Block	1
Legal Lot Number	11
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2035
Census Tract	950800

Owner

409 Ross Grove Rd E, residential vacant land, is owned and occupied by two individuals who bought it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 ROSS GROVE RD E, SHELBY, NC 28150-3450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 12, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage BBMC MORTGAGE LLC
Jul 10, 2020	Warranty Deed, Transfer · Conventional Mortgage THE FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on File
Deed Sale	Feb 12, 2026 · Amount on File
Prior Sale	Apr 27, 2022 · Amount on File
Deed Document Number	2026200124536
Deed Book / Page	1967 / 215
Prior Transfer Date	Oct 6, 2020
Prior Transfer Doc	0000045174
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Feb 12, 2026
Property Address	409 ROSS GROVE RD E, SHELBY, NC 28150-3450
Document Number	0019670215
Book / Page	1967 / 215
Instrument Date	Feb 12, 2026
Instrument	200124536
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 HANOVER DR, SHELBY, NC 28150-4313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ROSS GROVE RD E, SHELBY, NC 28150-3450

Mortgage

Document Number	0200124537
Date	Feb 12, 2026
Instrument	200124537

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	433 ROSS GROVE RD E, SHELBY, NC 28150-3450
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017501129
Date	Sep 11, 2017
Book Page	1750/1129
Instrument	200004587

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 10, 2020
Property Address	433 ROSS GROVE RD E, SHELBY, NC 28150-3450
Document Number	0018161879
Book / Page	1816 / 1879
Instrument Date	Jul 9, 2020
Instrument	200041374
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1633, SHELBY, NC 28151-1633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ROSS GROVE RD E, SHELBY, NC 28150-3450

Mortgage

Document Number	0018161883
Date	Jul 10, 2020
Instrument	1816/1883

Lender

Name	THE FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 409 Ross Grove Rd E was $90.

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	$90.00	$9,094 (-) Land $9,094	$9,094 (-) Land $9,094
2025	$90.00	$9,094 Land $9,094	$9,094 Land $9,094
2023		$8,892 Land $8,892	$8,892 Land $8,892

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

Flood

FEMA maps place 409 Ross Grove Rd E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 409 Ross Grove Rd E is low, with a 0.04% 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 52% of North Carolina
Wildfire Likelihood	0.04% 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 145 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Ripple Fiber.

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