416 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 416 Charles Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,078 sqft · built 1955
Lot Size	0.556 acres (24,254 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Sep 2020)
Tax Bill	$3,203 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21591`

Property Details

APN / Parcel Number

Primary APN	`21591`
Alternative APN	`1332964`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,078 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	24,254 sqft (0.556 acres)
Lot Dimensions	181 ft deep x 134 ft wide
Garage Type	Carport
Garage Area	168 sqft
Carport	Carport
Carport Area	168 sqft
Porch	Slab
Porch Area	201 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1332964
Street Address	416 CHARLES RD
City	SHELBY
State	NC
Zip	28152-5100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT CHARLES RD
Legal Block	2
Legal Lot Number	14
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1006
Census Tract	951200

Owner

416 Charles Rd is owned by a company that bought it in September 2020.

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

Owner of Record	Company Name on File
Mailing Address	416 CHARLES RD, B, SHELBY, NC 28152-5101
Owner Type	Company
Vesting	Company

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	Name on Deed
Last Sale	Sep 1, 2020 · Amount on File
Deed Sale	Sep 1, 2020 · Amount on File
Deed Document Number	202043654
Deed Book / Page	1820 / 1993
Prior Transfer Date	Oct 6, 2008
Prior Transfer Doc	0015622018
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 1, 2020
Property Address	416 CHARLES RD, SHELBY, NC 28152-5100
Document Number	0018201993
Book / Page	001820 / 001993
Instrument Date	Aug 31, 2020
Instrument	43654
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2823 SHELBY NC 281512823, SHELBY, NC 28151-2823

Mortgage

Document Number	18201996
Date	Sep 1, 2020
Book Page	001820/001996
Instrument	43655

Lender

Name	CURTIS S & DEBORAH H DURHAM
Address	1610 HOLLY SPRINGS RD, LYMAN, SC 29365-9708
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Aug 31, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 416 Charles Rd was $3,203, up 2.7% 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	$3,203.00 (+2.69%)	$313,481 (-) Land $28,006 Building $285,475	$313,481 (-) Land $28,006 Building $285,475
2025	$3,119.00	$313,481 Land $28,006 Building $285,475	$313,481 Land $28,006 Building $285,475
2023		$157,538 Land $22,110 Building $135,428	$157,538 Land $22,110 Building $135,428

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

Flood

FEMA maps place 416 Charles Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1992.

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.

Wildfire

Wildfire risk around 416 Charles Rd is low, with less than 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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 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 270 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

May also be available: Hotwire Communications, Ripple Fiber.

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