Cleveland County property record for 425 Luna Ln, Shelby, NC 28152
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $282,500 (Apr 2026) |
| Tax Bill | $297 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 67052 |
| Primary APN | 67052 |
|---|---|
| Alternative APN |
|
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Account Number | 1358473 |
|---|---|
| Street Address | 425 LUNA LN |
| City | SHELBY |
| State | NC |
| Zip | 28152-7299 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | #43 SEATTLE CROSSING SD PB48-179-180 |
| Legal Subdivision | SEATTLE CROSSING SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 163 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 951200 |
Source: Cleveland County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 425 LUNA LN, SHELBY, NC 28152-7299 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 17, 2026 | Special Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Apr 17, 2026 | Special Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on File |
| Deed Sale | Apr 17, 2026 · Amount on File |
| Deed Document Number | 2026200127200 |
| Deed Book / Page | 1972 / 195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Apr 17, 2026 |
| Property Address | 425 LUNA LN, SHELBY, NC 28152-7299 |
| Document Number | 0200127200 |
| Book / Page | 1972 / 195 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.200127200 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,065.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 425 LUNA LN, SHELBY, NC 28152-7299 |
| Document Number | 0200127201, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026.200127201 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Apr 17, 2026 |
| Property Address | 425 LUNA LN, SHELBY, NC 28152-7299 |
| Document Number | 0019720195 |
| Book / Page | 1972 / 195 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026200127200 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,065.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 425 LUNA LN, SHELBY, NC 28152-7299 |
| Document Number | 0200127201, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026200127201 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
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 | $297.00 (-0.34%) | $30,000 (-) Land $30,000 | $30,000 (-) Land $30,000 |
| 2025 | $298.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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