528 Suttle St, Shelby, NC 28150 Property Records

Cleveland County property record for 528 Suttle St, Shelby, NC 28150 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	914 sqft · built 1947
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$179,950 (Apr 2024)
Tax Bill	$1,473 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`18699`

Property Details

APN / Parcel Number

Primary APN	`18699`
Alternative APNs	`1294897` `1362707`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	914 sqft Finished Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	225 ft deep x 50 ft wide
Porch	Slab
Porch Area	151 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Account Number	1362707
Street Address	528 SUTTLE ST
City	SHELBY
State	NC
Zip	28150-4535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT SUTTLE ST
Legal Block	1
Legal Lot Number	12
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3033
Census Tract	951000

Owner

Source: Cleveland County records · APN 18699

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	Individual Name on File
Mailing Address	528 SUTTLE ST, SHELBY, NC 28150-4535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 09, 2023	Commissioner's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Jan 09, 2023 · Amount on Record
Deed Document Number	2024200099807
Deed Book / Page	1920 / 524
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	528 SUTTLE ST, SHELBY, NC 28150-4535
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 W ARROWOOD RD 133, 133, CHARLOTTE, NC 28217-3995

Mortgage

Document Number	0019200527
Date	Apr 29, 2024
Book Page	1920/527
Instrument	200099808

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.9%
Adjustable	Adjustable Rate Rider
Type Change Date	May 01, 2029
Change Frequency	5 Years
Min Rate At Change	4.9%
Max Rate At Change	8.9%
Index	5-Year CMT
Max Rate	12.9%

January 2023: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 09, 2023
Property Address	528 SUTTLE ST, SHELBY, NC 28150-4535
Document Number	0018900919
Book / Page	1890 / 919
Instrument Date	Dec 09, 2022
Instrument	200082640
Transaction Type	Foreclosure
Record Updated	Jan 24, 2023

Transaction

Amount	Amount Recorded
Tax	$121.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 WINSOR ST, GASTONIA, NC 28052-0529

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,104 (-) Land $6,497 Building $141,607	$148,104 (-) Land $6,497 Building $141,607
2025	$1,473.00	$148,104 (+1,005.5%) Land $6,497 Building $141,607	$148,104 (+1,005.5%) Land $6,497 Building $141,607
2023		$13,397 Land $3,503 Building $9,894	$13,397 Land $3,503 Building $9,894

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cleveland County (37045C), updated March 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the East Marion-Belvedere Park Historic District listed 2002 · 123 contributing resources · NRIS 02001667

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 299 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Ripple Fiber, T-Mobile USA, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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