638 Whitaker Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 638 Whitaker Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	3,572 sqft · built 2008
Lot Size	4.65 acres (202,554 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Mar 2017)
Tax Bill	$4,315 (2026)
Deeds & Mortgages	Sep 2017 Transfer Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60151`

Property Details

APN / Parcel Number

Primary APN	`60151`
Alternative APN	`1315041`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	3,572 sqft Finished Area
Upper Floors Area	889 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	202,554 sqft (4.65 acres)
Garage Area	1,600 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	517 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1315041
Street Address	638 WHITAKER RD
City	SHELBY
State	NC
Zip	28152-0541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	4.65 AC PB31-97 RD 1164
Legal Subdivision	MINOR
Legal Block	1
Legal Lot Number	660
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2001
Census Tract	951501

Owner

638 Whitaker Rd is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	638 WHITAKER RD, SHELBY, NC 28152-0541
Occupancy	Owner Occupied
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
Sep 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 31, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Deed Document Number	20173374
Deed Book / Page	1739 / 1888
Record Updated	Oct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 5, 2017
Property Address	638 WHITAKER RD, SHELBY, NC 28152-0541
Document Number	0017500169
Book / Page	001750 / 000169
Instrument Date	Sep 1, 2017
Instrument	4390
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 WHITAKER RD SHELBY NC 281520541, SHELBY, NC 28152-0541

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 31, 2017
Property Address	638 WHITAKER RD, SHELBY, NC 28152-0541
Document Number	0017391888
Book / Page	1739 / 1888
Instrument Date	Mar 30, 2017
Instrument	2017-003374
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 ALLISON CT, 506, KINGS MOUNTAIN, NC 28086-2604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 WHITAKER RD, SHELBY, NC 28152-0541

Mortgage

Document Number	0017391891
Date	Mar 31, 2017
Book Page	1739/1891
Instrument	2017-003375

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 638 Whitaker Rd was $4,315, up 1.4% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,315.00 (+1.39%)	$670,378 (-) Land $62,080 Building $608,298	$670,378 (-) Land $62,080 Building $608,298
2025	$4,256.00	$670,378 Land $62,080 Building $608,298	$670,378 Land $62,080 Building $608,298
2023		$466,799 Land $44,987 Building $421,812	$466,799 Land $44,987 Building $421,812

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

Flood

FEMA maps place 638 Whitaker Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 638 Whitaker Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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	CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055
Water Source	Surface water
Last State Inspection	Feb 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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