616 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 616 Charles Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,214 sqft · built 1958
Lot Size	0.373 acres (16,284 sqft)
Owner	2 Individual Names on File
Last Sale	$93,000 (Nov 2008)
Tax Bill	$1,730 (2026)
Deeds & Mortgages	Jul 2017 Line of Credit Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`21636`

Property Details

APN / Parcel Number

Primary APN	`21636`
Alternative APN	`1314748`

Interior

Stories	1 Story
Building Area	1,214 sqft Finished Area
Basement Area	1,214 sqft
Unfinished Basement	1,214 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Lot Area	16,284 sqft (0.373 acres)
Lot Dimensions	177 ft deep x 92 ft wide
Porch	Slab
Porch Area	126 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1314748
Street Address	616 CHARLES RD
City	SHELBY
State	NC
Zip	28152-6316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	#17BLKAPB7-47WESTSIDE DEV
Legal Subdivision	WESTSIDE DEV
Legal Block	1
Legal Lot Number	11
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1011
Census Tract	951200

Owner

616 Charles Rd is owned and occupied by two individuals who bought it in November 2008.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	616 CHARLES RD, SHELBY, NC 28152-6316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2017	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Feb 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2008 · Amount on File
Deed Sale	Nov 25, 2008 · Amount on File
Deed Book / Page	1565 / 1327
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	616 CHARLES RD, SHELBY, NC 28152-6316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017470252
Date	Jul 21, 2017
Book Page	1747/0252
Instrument	200002874

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Feb 3, 2017
Property Address	616 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0017351560
Book / Page	001735 / 001560
Instrument Date	Feb 3, 2017
Instrument	1173
Transaction Type	Transfer
Record Updated	Apr 12, 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
Address	616 CHARLES RD SHELBY NC 281526316, SHELBY, NC 28152-6316

Tax Assessment & Valuation

The 2026 property tax bill for 616 Charles Rd was $1,730, up 2.5% 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	$1,730.00 (+2.49%)	$169,733 (-) Land $18,878 Building $150,855	$169,733 (-) Land $18,878 Building $150,855
2025	$1,688.00	$169,733 Land $18,878 Building $150,855	$169,733 Land $18,878 Building $150,855
2023		$82,194 Land $14,904 Building $67,290	$82,194 Land $14,904 Building $67,290

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

Flood

FEMA maps place 616 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 616 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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