Cleveland County property record for 605 Gardner St, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 900 sqft · built 2022 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Mar 2023) |
| Tax Bill | $1,594 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage May 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18091 |
| Primary APN | 18091 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 900 sqft Finished Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,973 sqft (0.206 acres) |
| Lot Dimensions | 135 ft deep x 68 ft wide |
| Porch | Slab |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1355257 |
|---|---|
| Street Address | 605 GARDNER ST |
| City | SHELBY |
| State | NC |
| Zip | 28150-5605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 0.206AC LOT GARDNER ST |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 951100 |
605 Gardner St is owned and occupied by two individuals who bought it in March 2023.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 605 GARDNER ST, SHELBY, NC 28150-5605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage LATINO COMMUNITY CU |
| May 11, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2023 · Amount on File |
| Deed Sale | Mar 15, 2023 · Amount on File |
| Prior Sale | May 11, 2022 · Amount on File |
| Deed Document Number | 2023200085020 |
| Deed Book / Page | 1894 / 1108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 15, 2023 |
| Property Address | 605 GARDNER ST, SHELBY, NC 28150-5605 |
| Document Number | 0018941108 |
| Book / Page | 1894 / 1108 |
| Instrument Date | Mar 6, 2023 |
| Instrument | 200085020 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $344.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 EAGLETON DOWNS DRIVE, CHARLOTTE, NC 28213 |
| Name | Verified Name |
|---|---|
| Address | 605 GARDNER ST, SHELBY, NC 28150-5605 |
| Document Number | 0018941113 |
|---|---|
| Date | Mar 15, 2023 |
| Instrument | 1894/1113 |
| Name | LATINO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 8% |
| Index | 5-Year TN |
| Max Rate | 12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 11, 2022 |
| Property Address | 605 GARDNER ST, SHELBY, NC 28150-5605 |
| Document Number | 0018721598 |
| Book / Page | 1872 / 1598 |
| Instrument Date | May 10, 2022 |
| Instrument | 200072646 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $23.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 539 FALLS FERGUSON RD, GASTONIA, NC 28052-7122 |
| Name | Verified Name |
|---|---|
| Address | 8403 SARS FIELD CT, WAXHAW, NC 28173-9825 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 605 Gardner St was $1,594, up 2.8% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,594.00 (+2.77%) | $155,977 (-) Land $9,894 Building $146,083 | $155,977 (-) Land $9,894 Building $146,083 |
| 2025 | $1,551.00 | $155,977 Land $9,894 Building $146,083 | $155,977 Land $9,894 Building $146,083 |
| 2023 | $66,520 Land $3,298 Building $63,222 | $66,520 Land $3,298 Building $63,222 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 605 Gardner St in Zone X, an area of minimal flood risk.
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 Policies | 2 in force |
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 risk around 605 Gardner St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 303 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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