Cleveland County property record for 433 Whitaker Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 881 sqft · built 2014 |
| Lot Size | 21.3 acres (930,877 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $690,000 (Mar 2023) |
| Tax Bill | $3,736 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Aug 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 59845 |
| Primary APN | 59845 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 881 sqft Finished Area |
| Basement Area | 961 sqft |
| Finished Basement | 961 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Foundation Type | Footing |
| Lot Area | 930,877 sqft (21.3 acres) |
| Garage Area | 961 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1355451 |
|---|---|
| Street Address | 433 WHITAKER RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-9078 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | 21.37 AC RD 1164 |
| Legal Subdivision | BEAVER DAM AREA |
| Legal Block | 1 |
| Legal Lot Number | 656 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 4 |
| Census Block | 4039 |
| Census Tract | 951400 |
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 | 433 WHITAKER RD, SHELBY, NC 28152-9078 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Aug 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP |
| Nov 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Dec 5, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2023 · Amount on Record |
| Deed Sale | Mar 31, 2023 · Amount on Record |
| Prior Sale | Nov 19, 2018 · Amount on Record |
| Deed Document Number | 2023200085678 |
| Deed Book / Page | 1895 / 1541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 31, 2023 |
| Property Address | 433 WHITAKER RD, SHELBY, NC 28152-9078 |
| Document Number | 0018951541 |
| Book / Page | 1895 / 1541 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 200085678 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 WHITAKER RD, SHELBY, NC 28152-9078 |
| Document Number | 0018951544 |
|---|---|
| Date | Mar 31, 2023 |
| Book Page | 1895/1544 |
| Instrument | 200085679 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 433 WHITAKER RD, SHELBY, NC 28152-9078 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017972112 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 1797/2112 |
| Instrument | 200029943 |
| Name | ROUNDPOINT MORTGAGE SERVICING CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28217 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Nov 19, 2018 |
| Property Address | 433 WHITAKER RD, SHELBY, NC 28152-9078 |
| Document Number | 0017801781 |
| Book / Page | 1780 / 1781 |
| Instrument Date | Nov 13, 2018 |
| Instrument | 200020376 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2925 E ALTA VISTA ST, 2925, TUCSON, AZ 85716-2137 |
| Name | Verified Name |
|---|---|
| Address | 433 WHITAKER RD, SHELBY, NC 28152-9078 |
| Document Number | 200020377 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 200020377 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 433 WHITAKER RD, SHELBY, NC 28152-9078 |
| Document Number | 0017572164 |
| Book / Page | 001757 / 002164 |
| Instrument Date | Dec 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 433 WHITAKER RD SHELBY NC 281529078, SHELBY, NC 28152-9078 |
| Document Number | 0017572164 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 001757/002164 |
| Instrument | 8457 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,736.00 (+1.69%) | $578,645 (-) Land $191,872 Building $386,773 | $578,645 (-) Land $191,872 Building $386,773 |
| 2025 | $3,674.00 | $578,645 (+71.63%) Land $191,872 Building $386,773 | $578,645 (+71.63%) Land $191,872 Building $386,773 |
| 2023 | $337,152 Land $129,489 Building $207,663 | $337,152 Land $129,489 Building $207,663 |
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 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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 | CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
| AT&T DSL · Fixed Wireless | 25 / 5 |
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