Cleveland County property record for 412 Charles Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,375 sqft · built 1954 |
| Lot Size | 0.372 acres (16,235 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $65,000 (Sep 2017) |
| Tax Bill | $1,507 (2026) |
| Deeds & Mortgages | Dec 2017 Mortgage Jul 2018 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21589 |
| Primary APN | 21589 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,375 sqft Finished Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 16,235 sqft (0.372 acres) |
| Lot Dimensions | 191 ft deep x 85 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 132 sqft |
| Canopy | 396 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1313309 |
|---|---|
| Street Address | 412 CHARLES RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-5120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LOT CHARLES RD |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 951200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 699 MILLER RD, BENSON, NC 27504-6441 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK |
| Jul 13, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Sep 26, 2017 | Warranty Deed, Transfer |
| Apr 3, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on Record |
| Deed Sale | Sep 26, 2017 · Amount on Record |
| Deed Document Number | 20175145 |
| Deed Book / Page | 1751 / 1400 |
| Prior Transfer Date | Oct 6, 2008 |
| Prior Transfer Doc | 0015622018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 412 CHARLES RD, SHELBY, NC 28152-5120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017581076 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 1758/1076 |
| Name | PINNACLE BANK |
|---|---|
| Type | Bank |
| Address | SHELBY, NC 28152 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 13, 2018 |
| Property Address | 412 CHARLES RD, SHELBY, NC 28152-5120 |
| Document Number | 0017711950 |
| Book / Page | 001771 / 001950 |
| Instrument Date | Jul 11, 2018 |
| Instrument | 15718 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $98.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 2208 SHELBY NC 281512208, SHELBY, NC 28151-2208 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Sep 26, 2017 |
| Property Address | 412 CHARLES RD, SHELBY, NC 28152-5120 |
| Document Number | 0017511400 |
| Book / Page | 001751 / 001400 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 5145 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $130.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2208 #BOX SHELBY NC 28151, SHELBY, NC 28151 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Apr 3, 2017 |
| Property Address | 412 CHARLES RD, SHELBY, NC 28152-5120 |
| Document Number | 0017392167 |
| Book / Page | 001739 / 002167 |
| Instrument Date | Mar 6, 2017 |
| Instrument | 3465 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 420 CHRISTOPHER RD SHELBY NC 281527666, SHELBY, NC 28152-7666 |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,507.00 (+2.94%) | $147,200 (-) Land $17,926 Building $129,274 | $147,200 (-) Land $17,926 Building $129,274 |
| 2025 | $1,464.00 | $147,200 (+84.43%) Land $17,926 Building $129,274 | $147,200 (+84.43%) Land $17,926 Building $129,274 |
| 2023 | $79,814 Land $14,152 Building $65,662 | $79,814 Land $14,152 Building $65,662 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 2 (1992–2003) |
| Most Recent Claim | Apr 2003 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures