410 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 410 Charles Rd, Shelby, NC 28152 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1,686 sqft · built 1954
Lot Size	0.374 acres (16,320 sqft)
Owner	2 Individual Names on File
Last Sale	$154,000 (Feb 2021)
Tax Bill	$2,327 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21588`

Property Details

APN / Parcel Number

Primary APN	`21588`
Alternative APN	`1338768`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,686 sqft Finished Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Type	Shed Roof
Lot Area	16,320 sqft (0.374 acres)
Lot Dimensions	192 ft deep x 85 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	400 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1338768
Street Address	410 CHARLES RD
City	SHELBY
State	NC
Zip	28152-5120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT CHARLES RD
Legal Block	2
Legal Lot Number	11
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1006
Census Tract	951200

Owner

Source: Cleveland County records · APN 21588

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 Record	2 Individual Names on File
Mailing Address	410 CHARLES RD, SHELBY, NC 28152-5120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2017	Deed of Trust, Mortgage · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Feb 25, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 03, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Prior Sale	Dec 22, 2017 · Amount on Record
Deed Document Number	2021200051356
Deed Book / Page	1834 / 407
Prior Transfer Date	Oct 06, 2008
Prior Transfer Doc	0015622018
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	410 CHARLES RD, SHELBY, NC 28152-5120
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017580075
Date	Dec 22, 2017
Book Page	1758/0075
Instrument	200008540

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2048

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Feb 25, 2021
Property Address	410 CHARLES RD, SHELBY, NC 28152-5120
Document Number	0018340407
Book / Page	1834 / 407
Instrument Date	Feb 24, 2021
Instrument	200051356
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 OAKLEY LN, 124, CHERRYVILLE, NC 28021-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 CHARLES RD, SHELBY, NC 28152-5120

Mortgage

Document Number	1834409
Date	Feb 25, 2021
Instrument	1834/409

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 03, 2017
Property Address	410 CHARLES RD, SHELBY, NC 28152-5120
Document Number	0017392164
Book / Page	001739 / 002164
Instrument Date	Mar 06, 2017
Instrument	3464
Transaction Type	Transfer
Record Updated	May 08, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 N LAFAYETTE ST SHELBY NC 281504456, SHELBY, NC 28150-4456

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$233,959 (-) Land $17,926 Building $216,033	$233,959 (-) Land $17,926 Building $216,033
2025	$2,327.00	$233,959 (+51.42%) Land $17,926 Building $216,033	$233,959 (+51.42%) Land $17,926 Building $216,033
2023		$154,508 Land $14,152 Building $140,356	$154,508 Land $14,152 Building $140,356

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	2 (1992–2003)
Most Recent Claim	Apr 2003, river or lake flooding

Wildfire

Wildfire Risk	Low above 32% of the US · above 43% of North Carolina
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct 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

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (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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