500 Suttle St, Shelby, NC 28150 Property Records

Cleveland County property record for 500 Suttle St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,390 sqft · built 1938
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,077 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18696`

Property Details

APN / Parcel Number

Primary APN	`18696`
Alternative APNs	`1307983` `1344769`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,390 sqft Finished Area
Upper Floors Area	456 sqft
Basement Area	1,368 sqft
Finished Basement	684 sqft
Unfinished Basement	684 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Porch	Slab
Porch Area	222 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1344769
Street Address	500 SUTTLE ST
City	SHELBY
State	NC
Zip	28150-4535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LOT SUTTLE ST 1-3 BLK B PB 2-58
Legal Subdivision	GIDNEY PROPERTY
Legal Block	1
Legal Lot Number	1
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3033
Census Tract	951000

Owner

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 Record
Mailing Address	500 SUTTLE ST, SHELBY, NC 28150-4535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 11, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 3, 2021
Transfer Doc	0018621291
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	500 SUTTLE ST, SHELBY, NC 28150-4535
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 FOX TRAP CT, GARNER, NC 27529-8285

Mortgage

Document Number	0019020263
Date	Jul 10, 2023
Book Page	1902/263
Instrument	200089391

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Max Rate	11%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Jan 11, 2022
Property Address	500 SUTTLE ST, SHELBY, NC 28150-4535
Document Number	0018621291
Book / Page	1862 / 1291
Map Reference	MB 2 PG 58
Instrument Date	Dec 3, 2021
Instrument	200066938
Transaction Type	Transfer
Record Updated	Jan 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 SUTTLE ST, SHELBY, NC 28150-4535

Tax Assessment & Valuation

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	$1,077.00 (+4.36%)	$103,779 (-) Land $8,625 Building $95,154	$103,779 (-) Land $8,625 Building $95,154
2025	$1,032.00	$103,779 (+122.87%) Land $8,625 Building $95,154	$103,779 (+122.87%) Land $8,625 Building $95,154
2023		$46,564 Land $4,650 Building $41,914	$46,564 Land $4,650 Building $41,914

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

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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