515 Suttle St, Shelby, NC 28150 Property Records

Cleveland County property record for 515 Suttle St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	996 sqft · built 1941
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Mar 2026)
Tax Bill	$1,023 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Aug 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18738`

Property Details

APN / Parcel Number

Primary APN	`18738`
Alternative APN	`1341264`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	996 sqft Finished Area
Basement Area	498 sqft
Unfinished Basement	498 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Slab
Porch Area	200 sqft
Deck Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1341264
Street Address	515 SUTTLE ST
City	SHELBY
State	NC
Zip	28150-4562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	#6&7 BLK C PB2-20 GIDNEY SD
Legal Subdivision	GIDNEY
Legal Block	2
Legal Lot Number	27
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3011
Census Tract	951000

Owner

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	515 SUTTLE ST, SHELBY, NC 28150-4562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE DEPOT LLC
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Aug 18, 2021	Correction Deed
Jun 2, 2021	Special Warranty Deed, Transfer
Jun 2, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Aug 24, 2021 · Amount on Record
Deed Document Number	2026200125556
Deed Book / Page	1968 / 2744
Prior Transfer Date	Dec 15, 2009
Prior Transfer Doc	0015880868
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 10, 2026
Property Address	515 SUTTLE ST, SHELBY, NC 28150-4562
Document Number	0019682744
Book / Page	1968 / 2744
Map Reference	MB 2 PG 20
Instrument Date	Mar 9, 2026
Instrument	200125556
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2020 BIGGERS LAKE RD, SHELBY, NC 28152-8548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUTTLE ST, SHELBY, NC 28150-4562

Mortgage

Document Number	0200125557
Date	Mar 10, 2026
Instrument	200125557

Lender

Name	MORTGAGE DEPOT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 24, 2021
Property Address	515 SUTTLE ST, SHELBY, NC 28150-4562
Document Number	0018492755
Book / Page	1849 / 2755
Map Reference	MB 2 PG 20
Instrument Date	Aug 24, 2021
Instrument	200060219
Transaction Type	Transfer
Record Updated	Sep 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2764 PLEASANT RD # 10437, 2764, FORT MILL, SC 29708-7213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUTTLE ST, SHELBY, NC 28150-4562

Mortgage

Document Number	18492760
Date	Aug 24, 2021
Instrument	1849/2760

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 18, 2021
Property Address	515 SUTTLE ST, SHELBY, NC 28150-4562
Document Number	0018491054
Book / Page	1849 / 1054
Map Reference	MB 2 PG 20
Instrument Date	Aug 18, 2021
Instrument	200059885
Record Updated	Sep 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 RIVERSIDE DR BLDG 100W5, 5000, IRVING, TX 75039-4316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2764 PLEASANT RD # A10437, A10437, FORT MILL, SC 29708-7213

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jun 2, 2021
Property Address	515 SUTTLE ST, SHELBY, NC 28150-4562
Document Number	0018421332
Book / Page	1842 / 1332
Map Reference	MB 2 PG 20
Instrument Date	Jun 2, 2021
Instrument	200056019
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 RIVERSIDE DR BLDG 100W5, 5000, IRVING, TX 75039-4316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4216 OLDSTONE FOREST DR, WAXHAW, NC 28173-7255

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jun 2, 2021
Property Address	515 SUTTLE ST, SHELBY, NC 28150-4562
Document Number	0018421328
Book / Page	1842 / 1328
Map Reference	MB 2 PG 20
Instrument Date	Jun 1, 2021
Instrument	200056018
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Amount	Amount Recorded
Tax	$105.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	711 BUFORD ST, 711, SHELBY, NC 28152-7001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 RIVERSIDE DR STE 100W, 100W, IRVING, TX 75039-4696
Investor	Possibly a Property Investor

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	$1,023.00 (+4.71%)	$98,266 (-) Land $5,750 Building $92,516	$98,266 (-) Land $5,750 Building $92,516
2025	$977.00	$98,266 (+326.21%) Land $5,750 Building $92,516	$98,266 (+326.21%) Land $5,750 Building $92,516
2023		$23,056 Land $3,100 Building $19,956	$23,056 Land $3,100 Building $19,956

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

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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