627 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 627 Charles Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,652 sqft · built 1958
Lot Size	0.34 acres (14,850 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jul 2022)
Tax Bill	$2,366 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27505`

Property Details

APN / Parcel Number

Primary APN	`27505`
Alternative APNs	`1335036` `1348850`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,652 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2001
Exterior Material	Brick
Foundation Type	Footing
Lot Area	14,850 sqft (0.34 acres)
Lot Dimensions	135 ft deep x 110 ft wide
Garage Type	Carport
Garage Area	418 sqft
Carport	Carport
Carport Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	284 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1348850
Street Address	627 CHARLES RD
City	SHELBY
State	NC
Zip	28152-6363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	CHARLES RD
Legal Subdivision	NUMBER SIX TOWNSHIP
Legal Block	1
Legal Lot Number	1
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2006
Census Tract	951200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	627 CHARLES RD, SHELBY, NC 28152-6363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP
Dec 18, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	2022200076307
Deed Book / Page	1878 / 2551
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 28, 2022
Property Address	627 CHARLES RD, SHELBY, NC 28152-6363
Document Number	0018782551
Book / Page	1878 / 2551
Instrument Date	Jul 28, 2022
Instrument	200076307
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 PORTSIDE DR, 111, CHERRYVILLE, NC 28021-8405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CHARLES RD, SHELBY, NC 28152-6363

Mortgage

Document Number	0018782554
Date	Jul 28, 2022
Instrument	1878/2554

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 18, 2020
Property Address	627 CHARLES RD, SHELBY, NC 28152-6363
Document Number	0018290314
Book / Page	1829 / 314
Instrument Date	Dec 18, 2020
Instrument	200048382
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74 PEBBLESTONE DR, 74, MARION, NC 28752-7293

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CHARLES RD, SHELBY, NC 28152-6363

Mortgage

Document Number	0001829317
Date	Dec 18, 2020
Instrument	1829/317

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$2,366.00 (+1.68%)	$233,947 (-) Land $20,273 Building $213,674	$233,947 (-) Land $20,273 Building $213,674
2025	$2,327.00	$233,947 (+75.89%) Land $20,273 Building $213,674	$233,947 (+75.89%) Land $20,273 Building $213,674
2023		$133,011 Land $16,005 Building $117,006	$133,011 Land $16,005 Building $117,006

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 Policies	1 in force
Nearby Flood Claims	7 (1990–2024)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Jan 2024 · 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	0.01% 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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