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

Cleveland County property record for 412 Ross Grove Rd E, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,272 sqft · built 1930
Lot Size	0.507 acres (22,100 sqft)
Owner	Individual Name on File
Last Sale	$174,500 (May 2025)
Tax Bill	$1,114 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26932`

Property Details

APN / Parcel Number

Primary APN	`26932`
Alternative APN	`1325266`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,272 sqft Finished Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	22,100 sqft (0.507 acres)
Lot Dimensions	130 ft deep x 170 ft wide
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1325266
Street Address	412 ROSS GROVE RD E
City	SHELBY
State	NC
Zip	28150-3449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LOT RD 1827
Legal Block	2
Legal Lot Number	2
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2000
Census Tract	950900

Owner

412 Ross Grove Rd E is owned and occupied by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Mailing Address	412 ROSS GROVE RD E, SHELBY, NC 28150-3449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRULIANT FCU
Jul 23, 2019	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA
May 10, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2025 · Amount on File
Deed Sale	May 29, 2025 · Amount on File
Prior Sale	Jul 23, 2019 · Amount on File
Deed Document Number	2025200114367
Deed Book / Page	1947 / 2015
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	412 ROSS GROVE RD E, SHELBY, NC 28150-3449
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018650087
Date	Feb 14, 2022
Book Page	1865/87
Instrument	200068451

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 23, 2019
Property Address	412 ROSS GROVE RD E, SHELBY, NC 28150-3449
Document Number	0017951423
Book / Page	001795 / 001423
Instrument Date	Jul 23, 2019
Instrument	28613
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 995 OLD FORT NC 287620995, OLD FORT, NC 28762-0995

Mortgage

Document Number	17951425
Date	Jul 23, 2019
Book Page	001795/001425
Instrument	28614

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 10, 2017
Property Address	412 ROSS GROVE RD E, SHELBY, NC 28150-3449
Document Number	0017420919
Book / Page	001742 / 000919
Instrument Date	May 8, 2017
Instrument	233
Transaction Type	Transfer
Record Updated	Jul 12, 2017

Transaction

Amount	Amount on Record
Tax	$94.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 BOTTICELLI DR NOKOMIS FL 342751306, NOKOMIS, FL 34275-1306

Tax Assessment & Valuation

The 2026 property tax bill for 412 Ross Grove Rd E was $1,114, up 1% 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	$1,114.00 (+9.97%)	$107,468 (+5.46%) Land $13,982 Building $93,486	$107,468 (+5.46%) Land $13,982 Building $93,486
2025	$1,013.00	$101,900 Land $13,982 Building $87,918	$101,900 Land $13,982 Building $87,918
2023		$41,997 Land $14,062 Building $27,935	$41,997 Land $14,062 Building $27,935

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 412 Ross Grove Rd E in Zone X, an area of minimal flood risk.

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

Wildfire risk around 412 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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