448 Monroe St, Shelby, NC 28150 Property Records

Cleveland County property record for 448 Monroe St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,492 sqft · built 1984
Lot Size	0.363 acres (15,840 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,535 (2025)
Deeds & Mortgages	Jul 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`21491`

Property Details

APN / Parcel Number

Primary APN	`21491`
Alternative APN	`10390201`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,492 sqft Finished Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Exterior Material	Brick
Lot Area	15,840 sqft (0.363 acres)
Lot Dimensions	144 ft deep x 110 ft wide
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Canopy	576 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	10390201
Street Address	448 MONROE ST
City	SHELBY
State	NC
Zip	28150-3473
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	MAJ PT #25 PINEHURST AC
Legal Subdivision	PINEHURST
Legal Block	1
Legal Lot Number	11
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2002
Census Tract	950900

Owner

Source: Cleveland County records · APN 21491

Assessment roll updated September 30, 2025 · Last verified August 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 File
Mailing Address	448 MONROE ST, SHELBY, NC 28150-3473
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 21, 2026
Property Address	448 MONROE ST, SHELBY, NC 28150-3473
Document Number	0200131251
Book / Page	1979 / 2420
Instrument Date	Jul 15, 2026
Instrument	2026200131251
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	448 MONROE ST, SHELBY, NC 28150-3473

Tax Assessment & Valuation

Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$154,310 (-) Land $9,900 Building $144,410	$154,310 (-) Land $9,900 Building $144,410
2025	$1,535.00	$154,310 (+55.28%) Land $9,900 Building $144,410	$154,310 (+55.28%) Land $9,900 Building $144,410
2023		$99,376 Land $6,600 Building $92,776	$99,376 Land $6,600 Building $92,776

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 5, 2020 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Ripple Fiber.

Based on FCC filings for 248 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF SHELBY serves 23,600 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.