411 Johnsfield Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 411 Johnsfield Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	3,522 sqft · built 1997
Lot Size	1.09 acres (47,753 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,615 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44314`

Property Details

APN / Parcel Number

Primary APN	`44314`
Alternative APN	`5611501`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	3,522 sqft Finished Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Roof Material	Metal
Lot Area	47,753 sqft (1.09 acres)
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	104 sqft
Storage Building	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	5611501
Street Address	411 JOHNSFIELD RD
City	SHELBY
State	NC
Zip	28150-6175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	#7PB18-6JOHNSFIELD SEC I
Legal Subdivision	JOHNSFIELD
Legal Block	1
Legal Lot Number	7
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1007
Census Tract	950702

Owner

411 Johnsfield Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	411 JOHNSFIELD RD, SHELBY, NC 28150-6175
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

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit ALLIANCE BANK & TRUST CO
May 14, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 24, 2020	Deed of Trust, Mortgage · Conventional with PMI SOFI LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	411 JOHNSFIELD RD, SHELBY, NC 28150-6175
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 JOHNSFIELD RD, SHELBY, NC 28150-6175

Mortgage

Document Number	0018492934
Date	Aug 25, 2021
Book Page	1849/2934
Instrument	200060242

Lender

Name	ALLIANCE BANK & TRUST CO
Type	Bank
Address	SHELBY, NC 28150

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	411 JOHNSFIELD RD, SHELBY, NC 28150-6175
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017911748
Date	May 14, 2019
Book Page	1791/1748
Instrument	200026219

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SHELBY, NC 28151

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	411 JOHNSFIELD RD, SHELBY, NC 28150-6175
Document Number	0018121380
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 JOHNSFIELD RD SHELBY NC 281506175, SHELBY, NC 28150-6175

Mortgage

Document Number	0018121380
Date	May 5, 2020
Book Page	001812/001380
Instrument	38911

Lender

Name	SOFI LNDG
Address	COTTONWOOD HEIGHTS, UT 84121

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	May 4, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 411 Johnsfield Rd was $5,615, up 0.4% 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	$5,615.00 (+0.39%)	$562,122 (-) Land $56,485 Building $505,637	$562,122 (-) Land $56,485 Building $505,637
2025	$5,593.00	$562,122 Land $56,485 Building $505,637	$562,122 Land $56,485 Building $505,637
2023		$380,865 Land $33,992 Building $346,873	$380,865 Land $33,992 Building $346,873

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

Flood

FEMA maps place 411 Johnsfield Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · Severe Storms, Tornadoes, And Flooding

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 411 Johnsfield 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 93% of the US · lower than 95% 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	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 88 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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