Cleveland County property record for 415 Luna Ln, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,573 sqft · built 2024 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $284,500 (Oct 2025) |
| Tax Bill | $2,744 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 67049 |
| Primary APN | 67049 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 3 Stories |
| Building Area | 1,573 sqft Finished Area |
| Upper Floors Area | 961 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 428 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Heating System | HVAC |
|---|
| Account Number | 1358473 |
|---|---|
| Street Address | 415 LUNA LN |
| City | SHELBY |
| State | NC |
| Zip | 28152-7299 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | #40 SEATTLE CROSSING SD PB48-179-180 |
| Legal Subdivision | SEATTLE CROSSING |
| Legal Block | 1 |
| Legal Lot Number | 160 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 951200 |
415 Luna Ln is owned and occupied by two individuals who bought it in October 2025.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 LUNA LN, SHELBY, NC 28152-7299 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on File |
| Deed Sale | Oct 31, 2025 · Amount on File |
| Deed Document Number | 2025200120712 |
| Deed Book / Page | 1959 / 2203 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Oct 31, 2025 |
| Property Address | 415 LUNA LN, SHELBY, NC 28152-7299 |
| Document Number | 0019592203 |
| Book / Page | 1959 / 2203 |
| Map Reference | MB 48 PG 179-180 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 200120712 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $569.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8800 E RAINTREE DR # DR300, DR300, SCOTTSDALE, AZ 85260-3957 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 415 LUNA LN, SHELBY, NC 28152-7299 |
| Document Number | 0200120713 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 200120713 |
| Name | JMAC LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 0019592222 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 1959/2222 |
| Instrument | 200120714 |
| Name | JMAC LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | 3200 PARK CENTER DR STE 350, COSTA MESA, CA 92626 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2035 |
The 2026 property tax bill for 415 Luna Ln was $2,744, up 82.6% from the year before.
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 | $2,744.00 (+82.57%) | $272,159 (+80.14%) Land $30,000 Building $242,159 | $272,159 (+80.14%) Land $30,000 Building $242,159 |
| 2025 | $1,503.00 | $151,080 Land $30,000 Building $121,080 | $151,080 Land $30,000 Building $121,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Luna Ln 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 risk around 415 Luna Ln is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 48 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 Fixed Wireless | 100 / 20 |
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