623 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 623 Charles Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,821 sqft · built 1960
Lot Size	0.68 acres (29,631 sqft)
Owner	Individual Name on Record
Last Sale	$580 (May 2022)
Tax Bill	$3,489 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21712`

Property Details

APN / Parcel Number

Primary APN	`21712`
Alternative APNs	`7284001` `1347816`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,821 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	29,631 sqft (0.68 acres)
Lot Dimensions	142 ft deep x 125 ft wide
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	504 sqft
Storage Building	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1347816
Street Address	623 CHARLES RD
City	SHELBY
State	NC
Zip	28152-6364
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT CHARLES RD
Legal Block	5
Legal Lot Number	37
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1020
Census Tract	951200

Owner

Source: Cleveland County records, as of October 13, 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	Individual Name on Record
Mailing Address	623 CHARLES RD, SHELBY, NC 28152-6364
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING
May 5, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2022 · Amount on Record
Deed Sale	May 5, 2022 · Amount on Record
Deed Document Number	2022200072400
Deed Book / Page	1872 / 126
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Recording Date	Sep 18, 2026
Property Address	623 CHARLES RD, SHELBY, NC 28152-6364
Document Number	0200133711
Book / Page	1984 / 1639
Instrument Date	Sep 9, 2026
Instrument	2026200133711
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CHARLES RD, SHELBY, NC 28152-6364

Mortgage

Document Number	0200133711,
Date	Sep 18, 2026
Book Page	1984/1639
Instrument	2026200133711

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2056

Interest

Max Rate	-1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 5, 2022
Property Address	623 CHARLES RD, SHELBY, NC 28152-6364
Document Number	0018720126
Book / Page	1872 / 126
Instrument Date	May 5, 2022
Instrument	200072400
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21444 NORMAN SHORES DR, 21444, CORNELIUS, NC 28031-6696

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CHARLES RD, SHELBY, NC 28152-6364

Mortgage

Document Number	0001872134
Date	May 5, 2022
Instrument	1872/134

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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	$3,489.00 (+2.44%)	$342,375 (-) Land $27,344 Building $315,031	$342,375 (-) Land $27,344 Building $315,031
2025	$3,406.00	$342,375 (+89.4%) Land $27,344 Building $315,031	$342,375 (+89.4%) Land $27,344 Building $315,031
2023		$180,766 Land $21,588 Building $159,178	$180,766 Land $21,588 Building $159,178

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

Flood

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

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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