415 Gardner St, Shelby, NC 28150 Property Records

Cleveland County property record for 415 Gardner St, Shelby, NC 28150

Property Summary

Property Type	Duplex
Details	1,170 sqft · built 1925
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on File
Last Sale	$17,000 (Aug 2019)
Tax Bill	$578 (2026)
Deeds & Mortgages	Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`18119`

Property Details

APN / Parcel Number

Primary APN	`18119`
Alternative APN	`1325403`

Interior

Stories	1 Story
Building Area	1,170 sqft Total Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	138 ft deep x 50 ft wide
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	1325403
Street Address	415 GARDNER ST
City	SHELBY
State	NC
Zip	28150-5755
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R6
Legal Description	415 GARDNER ST
Legal Block	4
Legal Lot Number	2
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3044
Census Tract	951100

Owner

415 Gardner St, a duplex, is owned by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2103 MANLEY BRIDGES RD, SHELBY, NC 28152-8205
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on File
Deed Sale	Aug 2, 2019 · Amount on File
Deed Document Number	2019200029033
Deed Book / Page	1796 / 728
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 2, 2019
Property Address	415 GARDNER ST, SHELBY, NC 28150-5755
Document Number	0017960728
Book / Page	001796 / 000728
Instrument Date	Aug 2, 2019
Instrument	29033
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$34.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 MANLEY BRIDGES RD SHELBY NC 281528205, SHELBY, NC 28152-8205

Tax Assessment & Valuation

The 2026 property tax bill for 415 Gardner St was $578, up 20.4% 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	$578.00 (+20.42%)	$48,300 (-) Land $7,275 Building $41,025	$48,300 (-) Land $7,275 Building $41,025
2025	$480.00	$48,300 Land $7,275 Building $41,025	$48,300 Land $7,275 Building $41,025
2023		$15,372 Land $2,425 Building $12,947	$15,372 Land $2,425 Building $12,947

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

Flood

FEMA maps place 415 Gardner St in Zone X, an area of minimal flood risk.

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 Policies	2 in force

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 415 Gardner St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30