604 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 604 Charles Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,535 sqft · built 1958
Lot Size	0.262 acres (11,440 sqft)
Owner	Company Name on File
Last Sale	$66,500 (Oct 2017)
Tax Bill	$1,601 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Dec 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21632`

Property Details

APN / Parcel Number

Primary APN	`21632`
Alternative APN	`1338815`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,535 sqft Finished Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	11,440 sqft (0.262 acres)
Lot Dimensions	143 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	241 sqft
Carport	Carport
Carport Area	241 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	346 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1338815
Street Address	604 CHARLES RD
City	SHELBY
State	NC
Zip	28152-6316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	PT#3,2BLKAPB7-47WESTSIDE DEV CO
Legal Subdivision	WESTSIDE DEV
Legal Block	1
Legal Lot Number	6
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1011
Census Tract	951200

Owner

604 Charles Rd is owned by a company that bought it in October 2017.

Source: Cleveland County records, as of September 23, 2026

Owner of Record	Company Name on File
Mailing Address	909 GREENTREE DR, CHARLOTTE, NC 28211-2733
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS
Aug 20, 2021	Intrafamily Transfer, Transfer
Nov 8, 2018	Warranty Deed, Transfer · Line of Credit BANK OZK
Oct 6, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE OZARKS
Apr 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2017 · Amount on File
Deed Sale	Oct 6, 2017 · Amount on File
Deed Document Number	20175589
Deed Book / Page	1752 / 1096
Prior Transfer Date	Oct 6, 2008
Prior Transfer Doc	0015622018
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	604 CHARLES RD, SHELBY, NC 28152-6316
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018591330
Date	Dec 6, 2021
Book Page	1859/1330
Instrument	200065323

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	SHELBY, NC 28150

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	604 CHARLES RD, SHELBY, NC 28152-6316
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018591304
Date	Dec 6, 2021
Book Page	1859/1304
Instrument	200065321

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	LITTLE ROCK, AR 72231

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Aug 20, 2021
Property Address	604 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0018491972
Book / Page	1849 / 1972
Map Reference	MB 7 PG 47
Instrument Date	Aug 16, 2021
Instrument	200060068
Transaction Type	Transfer
Record Updated	Sep 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 GREENTREE DR, CHARLOTTE, NC 28211-2733

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Nov 8, 2018
Property Address	604 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0017800358
Book / Page	001780 / 000358
Instrument Date	Nov 8, 2018
Instrument	20070
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 E MOREHEAD ST #17 CHARLOTTE NC 282042852, 17, CHARLOTTE, NC 28204-2852

Mortgage

Document Number	17800362
Date	Nov 8, 2018
Book Page	001780/000362
Instrument	20071

Lender

Name	BANK OZK
Address	SHELBY, NC 28150

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 6, 2017
Property Address	604 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0017521096
Book / Page	001752 / 001096
Instrument Date	Oct 2, 2017
Instrument	5589
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 E MOREHEAD ST #17 CHARLOTTE NC 282042852, 17, CHARLOTTE, NC 28204-2852

Mortgage

Document Number	17521099
Date	Oct 6, 2017
Book Page	001752/001099
Instrument	5590

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	SHELBY, NC 28150

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 3, 2017
Property Address	604 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0017392158
Book / Page	001739 / 002158
Instrument Date	Mar 6, 2017
Instrument	3462
Transaction Type	Transfer
Record Updated	May 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	606 S DEKALB ST SHELBY NC 281505929, SHELBY, NC 28150-5929

Tax Assessment & Valuation

The 2026 property tax bill for 604 Charles Rd was $1,601, up 2.8% from the year before.

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	$1,601.00 (+2.76%)	$156,671 (-) Land $15,200 Building $141,471	$156,671 (-) Land $15,200 Building $141,471
2025	$1,558.00	$156,671 Land $15,200 Building $141,471	$156,671 Land $15,200 Building $141,471
2023		$76,178 Land $12,000 Building $64,178	$76,178 Land $12,000 Building $64,178

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

Flood

FEMA maps place 604 Charles Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1992.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1992–2003)
Most Recent Claim	Apr 2003 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 604 Charles Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Ripple Fiber.

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