Cleveland County property record for 415 Stroud Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,338 sqft · built 1958 |
| Lot Size | 0.406 acres (17,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $73,878 (Aug 2009) |
| Tax Bill | $1,764 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Dec 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 21594 |
| Primary APN | 21594 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,338 sqft Finished Area |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 17,700 sqft (0.406 acres) |
| Lot Dimensions | 177 ft deep x 100 ft wide |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 262 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1261969 |
|---|---|
| Street Address | 415 STROUD RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-5150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | #5 PB7-49 STROUD RD |
| Legal Subdivision | V F HAMRICK PROPERTY |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| 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 | 415 STROUD RD, SHELBY, NC 28152-5150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Dec 21, 2017 | Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2009 · Amount on Record |
| Deed Sale | Aug 14, 2009 · Amount on Record |
| Deed Book / Page | 1581 / 1673 |
| Prior Transfer Date | Aug 11, 2009 |
| Prior Transfer Doc | 0015811673 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 415 STROUD RD, SHELBY, NC 28152-5150 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 415 STROUD RD, SHELBY, NC 28152-5150 |
| Document Number | 0018992857 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 1899/2857 |
| Instrument | 200088164 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 1, 2053 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 415 STROUD RD, SHELBY, NC 28152-5150 |
| Document Number | 0017581337 |
| Book / Page | 001758 / 001337 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 415 STROUD RD SHELBY NC 281525150, SHELBY, NC 28152-5150 |
| Document Number | 0017581337 |
|---|---|
| Date | Jan 2, 2018 |
| Book Page | 001758/001337 |
| Instrument | 8799 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203-4774 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jan 1, 2046 |
| Rate | 3.87% |
|---|
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 | $1,764.00 (+2.44%) | $173,117 (-) Land $21,600 Building $151,517 | $173,117 (-) Land $21,600 Building $151,517 |
| 2025 | $1,722.00 | $173,117 (+68.1%) Land $21,600 Building $151,517 | $173,117 (+68.1%) Land $21,600 Building $151,517 |
| 2023 | $102,983 Land $16,200 Building $86,783 | $102,983 Land $16,200 Building $86,783 |
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 |
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