428 Suttle St, Shelby, NC 28150 Property Records

Cleveland County property record for 428 Suttle St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,042 sqft · built 1954
Lot Size	0.233 acres (10,150 sqft)
Owner	2 Individual Names on File
Tax Bill	$727 (2026)
Deeds & Mortgages	Jul 2020 Transfer
Flood Zone	Zone X (moderate risk)
APN	`17915`

Property Details

APN / Parcel Number

Primary APN	`17915`
Alternative APN	`1332013`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,042 sqft Finished Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	10,150 sqft (0.233 acres)
Lot Dimensions	145 ft deep x 70 ft wide

Exterior Amenities

Porch	Slab
Porch Area	33 sqft
Deck Area	288 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1332013
Street Address	428 SUTTLE ST
City	SHELBY
State	NC
Zip	28150-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	PT#1-3 BLK A SUTTLE ST PB 2-58
Legal Subdivision	GIDNEY PROPERTY
Legal Block	2
Legal Lot Number	29
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3040
Census Tract	951000

Owner

428 Suttle St is owned by two individuals who acquired it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	303 CLINTON ST, SHELBY, NC 28150-4305
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 Transfer Date	Jun 26, 2020
Transfer Doc	0018161075
Record Updated	Oct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 6, 2020
Property Address	428 SUTTLE ST, SHELBY, NC 28150-4533
Document Number	0018161075
Book / Page	001816 / 001075
Instrument Date	Jun 26, 2020
Instrument	41201
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CLINTON ST SHELBY NC 281504305, SHELBY, NC 28150-4305

Tax Assessment & Valuation

The 2026 property tax bill for 428 Suttle St was $727, up 6.9% 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	$727.00 (+6.91%)	$68,396 (-) Land $8,050 Building $60,346	$68,396 (-) Land $8,050 Building $60,346
2025	$680.00	$68,396 Land $8,050 Building $60,346	$68,396 Land $8,050 Building $60,346
2023		$27,396 Land $4,340 Building $23,056	$27,396 Land $4,340 Building $23,056

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

Flood

FEMA maps place 428 Suttle St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 428 Suttle St is low, with a 0.03% 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	0.03% 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 299 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

May also be available: Ripple Fiber, T-Mobile, Verizon.

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