609 E Grover St, Shelby, NC 28150 Property Records

Cleveland County property record for 609 E Grover St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,339 sqft · built 1940
Lot Size	0.41 acres (17,898 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,315 (2026)
Deeds & Mortgages	Apr 2020 Loan Modification May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`19997`

Property Details

APN / Parcel Number

Primary APN	`19997`
Alternative APN	`1315427`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,339 sqft Finished Area
Attic	Attic
Attic Area	347 sqft
Basement Area	248 sqft
Unfinished Basement	248 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	17,898 sqft (0.41 acres)
Lot Dimensions	155 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1315427
Street Address	609 E GROVER ST
City	SHELBY
State	NC
Zip	28150-4033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NB
Legal Description	LT GROVER ST
Legal Subdivision	GROVER
Legal Block	1
Legal Lot Number	32
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1021
Census Tract	950900

Owner

609 E Grover St, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 505, BOILING SPRINGS, NC 28017-0505
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Loan Modification, Mortgage BANK OZK
May 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	609 E GROVER ST, SHELBY, NC 28150-4033
Document Number	0018110875
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 801 SHELBY NC 281510801, SHELBY, NC 28151-0801

Mortgage

Document Number	0018110875
Date	Apr 17, 2020
Book Page	001811/000875
Instrument	38294

Lender

Name	BANK OZK
Address	LAWNDALE, NC 28090

Agreement

Term	12 Months
Due	Apr 16, 2021

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 2, 2017
Property Address	609 E GROVER ST, SHELBY, NC 28150-4033
Document Number	0017411915
Book / Page	001741 / 001915
Instrument Date	Apr 28, 2017
Instrument	4462
Transaction Type	Transfer
Record Updated	Jul 12, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 505 BOILING SPRINGS NC 280170505, BOILING SPRINGS, NC 28017-0505

Tax Assessment & Valuation

The 2026 property tax bill for 609 E Grover St was $1,315, down 0.5% 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	$1,315.00 (-0.45%)	$132,819 (-) Land $107,160 Building $25,659	$132,819 (-) Land $107,160 Building $25,659
2025	$1,321.00	$132,819 Land $107,160 Building $25,659	$132,819 Land $107,160 Building $25,659
2023		$78,969 Land $53,089 Building $25,880	$78,969 Land $53,089 Building $25,880

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

Flood

FEMA maps place 609 E Grover 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	1 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

Wildfire risk around 609 E Grover St 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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Ripple Fiber.

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