411 Windcrest Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 411 Windcrest Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,403 sqft · built 2012
Lot Size	0.688 acres (30,000 sqft)
Owner	Individual Name on Record
Last Sale	$5,000 (Jun 2012)
Tax Bill	$2,833 (2026)
Deeds & Mortgages	Feb 2020 Loan Modification Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25009`

Property Details

APN / Parcel Number

Primary APN	`25009`
Alternative APN	`1285412`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,403 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	30,000 sqft (0.688 acres)
Lot Dimensions	150 ft deep x 200 ft wide
Deck Area	36 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1285412
Street Address	411 WINDCREST DR
City	SHELBY
State	NC
Zip	28150-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LTS 74-81 BLK C IRVIN SD PB8-30
Legal Subdivision	IRVIN SD
Legal Block	7
Legal Lot Number	74-81
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3030
Census Tract	950800

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	Individual Name on Record
Mailing Address	411 WINDCREST DR, SHELBY, NC 28150-3612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2020	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRALIZED SVCNG CTR-USDA
Nov 29, 2017	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2012 · Amount on Record
Deed Sale	Jun 8, 2012 · Amount on Record
Prior Sale	May 8, 2012 · Amount on Record
Deed Book / Page	1636 / 1344
Record Updated	Oct 29, 2026

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	411 WINDCREST DR, SHELBY, NC 28150-3612
Document Number	0018100116
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 WINDCREST DR SHELBY NC 281503612, SHELBY, NC 28150-3612

Mortgage

Document Number	0018100116
Date	Mar 26, 2020
Book Page	001810/000116
Instrument	37623

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	411 WINDCREST DR, SHELBY, NC 28150-3612
Document Number	0018092748
Instrument Date	Feb 21, 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 WINDCREST DR SHELBY NC 281503612, SHELBY, NC 28150-3612

Mortgage

Document Number	0018092748
Date	Mar 25, 2020
Book Page	001809/002748
Instrument	37547

Lender

Name	CENTRALIZED SVCNG CTR-USDA
Address	SAINT LOUIS, MO 63120-1703

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2050

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	411 WINDCREST DR, SHELBY, NC 28150-3612
Document Number	0017571843
Book / Page	001757 / 001843
Instrument Date	Nov 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 WINDCREST DR SHELBY NC 281503612, SHELBY, NC 28150-3612

Mortgage

Document Number	0017571843
Date	Dec 20, 2017
Book Page	001757/001843
Instrument	8399

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 19, 2018

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	$2,833.00 (+1.29%)	$281,111 (-) Land $16,250 Building $264,861	$281,111 (-) Land $16,250 Building $264,861
2025	$2,797.00	$281,111 (+42%) Land $16,250 Building $264,861	$281,111 (+42%) Land $16,250 Building $264,861
2023		$197,968 Land $11,180 Building $186,788	$197,968 Land $11,180 Building $186,788

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 minimal risk
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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% 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	CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055
Water Source	Surface water
Last State Inspection	Feb 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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