618 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 618 Charles Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,050 sqft · built 1948
Lot Size	0.406 acres (17,700 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Sep 2024)
Tax Bill	$1,540 (2026)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21637`

Property Details

APN / Parcel Number

Primary APN	`21637`
Alternative APNs	`1315982` `1365538`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,050 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	17,700 sqft (0.406 acres)
Lot Dimensions	177 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	352 sqft
Carport	Carport
Carport Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	224 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	1365538
Street Address	618 CHARLES RD
City	SHELBY
State	NC
Zip	28152-6316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 27-30 A.V HAMRICK SD
Legal Subdivision	HAMRICK
Legal Block	1
Legal Lot Number	27-30
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1011
Census Tract	951200

Owner

618 Charles Rd is owned and occupied by an individual who bought it in September 2024.

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

Owner of Record	Individual Name on File
Mailing Address	618 CHARLES RD, SHELBY, NC 28152-6316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Sep 20, 2024	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jul 14, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST MORTGAGE COMPANY LLC
Apr 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2024 · Amount on File
Deed Sale	Sep 20, 2024 · Amount on File
Prior Sale	Jul 14, 2017 · Amount on File
Deed Document Number	2024200105021
Deed Book / Page	1929 / 1911
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 20, 2024
Property Address	618 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0019291911
Book / Page	1929 / 1911
Instrument Date	Sep 20, 2024
Instrument	200105021
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1604, SHELBY, NC 28151-1604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 CHARLES RD, SHELBY, NC 28152-6316

Mortgage

Document Number	0200105022
Date	Sep 20, 2024
Instrument	200105022

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.02%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	5 Years
Min Rate At Change	4.02%
Max Rate At Change	8.02%
Index	5-Year CMT
Max Rate	12%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 14, 2017
Property Address	618 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0017461802
Book / Page	1746 / 1802
Instrument Date	Jul 6, 2017
Instrument	2000-002677
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1146 COUNTY HOME RD, 1146, SHELBY, NC 28152-6952

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 CHARLES RD, SHELBY, NC 28152-6316

Mortgage

Document Number	0017461804
Date	Jul 14, 2017
Book Page	1746/1804
Instrument	200002678

Lender

Name	FIRST MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 3, 2017
Property Address	618 CHARLES RD, SHELBY, NC 28152-6316
Document Number	0017392152
Book / Page	001739 / 002152
Instrument Date	Mar 6, 2017
Instrument	3460
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	1146 COUNTY HOME RD SHELBY NC 281526952, SHELBY, NC 28152-6952

Tax Assessment & Valuation

The 2026 property tax bill for 618 Charles Rd was $1,540, up 2.9% 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	$1,540.00 (+2.87%)	$150,528 (-) Land $20,520 Building $130,008	$150,528 (-) Land $20,520 Building $130,008
2025	$1,497.00	$150,528 Land $20,520 Building $130,008	$150,528 Land $20,520 Building $130,008
2023		$73,517 Land $16,200 Building $57,317	$73,517 Land $16,200 Building $57,317

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

Flood

FEMA maps place 618 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 618 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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