413 E Grover St, Shelby, NC 28150 Property Records

Cleveland County property record for 413 E Grover St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	916 sqft · built 1924
Lot Size	0.177 acres (7,750 sqft)
Owner	Trust Name on File
Last Sale	$82,000 (Oct 2020)
Tax Bill	$492 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2020 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20104`

Property Details

APN / Parcel Number

Primary APN	`20104`
Alternative APN	`1333598`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	916 sqft Finished Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1975
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	7,750 sqft (0.177 acres)
Lot Dimensions	155 ft deep x 50 ft wide
Porch	Slab
Porch Area	180 sqft
Storage Building	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1333598
Street Address	413 E GROVER ST
City	SHELBY
State	NC
Zip	28150-3921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NB
Legal Description	LOT GROVER ST
Legal Subdivision	GROVER
Legal Block	3
Legal Lot Number	17
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2010
Census Tract	950900

Owner

413 E Grover St is held in a trust since October 2020.

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

Owner of Record	Trust Name on File
Mailing Address	1610 DALE EARNHARDT BLVD, KANNAPOLIS, NC 28083-3210
Owner Type	Company
Vesting	Trust

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
Jul 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage LAKSHMI LLC
Oct 9, 2020	Grant Deed, Transfer ATTORNEY ONLY
Oct 6, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 1, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Oct 1, 2020	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on File
Deed Sale	Oct 1, 2020 · Amount on File
Deed Document Number	202044958
Deed Book / Page	1822 / 2803
Last Transfer Date	Oct 5, 2020
Transfer Doc	0018230561
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	413 E GROVER ST, SHELBY, NC 28150-3921
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 42147, CHARLOTTE, NC 28215-0003

Mortgage

Document Number	0018452339
Date	Jul 9, 2021
Book Page	1845/2339
Instrument	200057835

Lender

Name	LAKSHMI LLC
Type	Non-Lending Institution
Address	CHEYENNE, WY 82001

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 24, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 9, 2020
Property Address	413 E GROVER ST, SHELBY, NC 28150-3921
Document Number	0018231956
Book / Page	001823 / 001956
Instrument Date	Oct 9, 2020
Instrument	45325
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 42147 CHARLOTTE NC 282150003, CHARLOTTE, NC 28215-0003

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 6, 2020
Property Address	413 E GROVER ST, SHELBY, NC 28150-3921
Document Number	0018230561
Book / Page	001823 / 000561
Instrument Date	Oct 5, 2020
Instrument	45110
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5219 THE RIAZA CHARLOTTE NC 28215, CHARLOTTE, NC 28215

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 1, 2020
Property Address	413 E GROVER ST, SHELBY, NC 28150-3921
Document Number	0018222803
Book / Page	001822 / 002803
Instrument Date	Sep 28, 2020
Instrument	44958
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$164.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5219 THE PLAZA CHARLOTTE NC 282152139, CHARLOTTE, NC 28215-2139

October 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 1, 2020
Property Address	413 E GROVER ST, SHELBY, NC 28150-3921
Document Number	0018222870
Book / Page	001822 / 002870
Instrument Date	Sep 28, 2020
Instrument	44972
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$164.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5219 THE PLAZA CHARLOTTE NC 282152139, CHARLOTTE, NC 28215-2139

Tax Assessment & Valuation

The 2026 property tax bill for 413 E Grover St was $492, down 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	$492.00 (-0.4%)	$49,719 (-) Land $47,040 Building $2,679	$49,719 (-) Land $47,040 Building $2,679
2025	$494.00	$49,719 Land $47,040 Building $2,679	$49,719 Land $47,040 Building $2,679
2023		$44,654 Land $30,900 Building $13,754	$44,654 Land $30,900 Building $13,754

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

Flood

FEMA maps place 413 E Grover St 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 413 E Grover St is low, with a 0.02% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 148 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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