709 Ridgeview Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 709 Ridgeview Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,600 sqft · built 1957
Lot Size	1.74 acres (76,095 sqft)
Owner	2 Individual Names on File
Last Sale	$242,000 (Mar 2024)
Tax Bill	$2,226 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21222`

Property Details

APN / Parcel Number

Primary APN	`21222`
Alternative APNs	`1338349` `1362098`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,600 sqft Finished Area
Basement Area	400 sqft
Unfinished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	76,095 sqft (1.74 acres)
Lot Dimensions	320 ft deep x 118 ft wide

Exterior Amenities

Porch	Patio
Porch Area	502 sqft
Lean-To	84 sqft
Storage Building	112 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1362098
Street Address	709 RIDGEVIEW DR
City	SHELBY
State	NC
Zip	28150-5550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LT#1-4 BLK A EASTERN HGT SD & 1.00AC RIDGEVIEW
Legal Subdivision	RIDGEVIEW
Legal Block	2
Legal Lot Number	1-4
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1003
Census Tract	951000

Owner

709 Ridgeview Dr is owned by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1612 MOUNTAIN LN, SHELBY, NC 28150-6132
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 6, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2024 · Amount on File
Deed Sale	Mar 26, 2024 · Amount on File
Prior Sale	Jan 31, 2014 · Amount on File
Deed Document Number	2024200098593
Deed Book / Page	1917 / 2574
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	709 RIDGEVIEW DR, SHELBY, NC 28150-5550
Transaction Type	Mortgage
Record Updated	Dec 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 RIDGEVIEW DR, SHELBY, NC 28150-5550

Mortgage

Document Number	0018882253
Date	Dec 13, 2022
Book Page	1888/2253
Instrument	200081800

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	709 RIDGEVIEW DR, SHELBY, NC 28150-5550
Transaction Type	Mortgage
Record Updated	Jun 16, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018741905
Date	Jun 6, 2022
Book Page	1874/1905
Instrument	200073878

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SHELBY, NC 28151

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Jan 25, 2021
Property Address	709 RIDGEVIEW DR, SHELBY, NC 28150-5550
Document Number	0018311667
Book / Page	1831 / 1667
Map Reference	MB 6 PG 70
Instrument Date	Jan 19, 2021
Instrument	200049860
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 RIDGEVIEW DR, SHELBY, NC 28150-5550

Mortgage

Document Number	18311670
Date	Jan 25, 2021
Instrument	1831/1670

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 709 Ridgeview Dr was $2,226, up 1.8% 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	$2,226.00 (+1.78%)	$219,863 (-) Land $47,340 Building $172,523	$219,863 (-) Land $47,340 Building $172,523
2025	$2,187.00	$219,863 Land $47,340 Building $172,523	$219,863 Land $47,340 Building $172,523
2023		$114,106 Land $27,232 Building $86,874	$114,106 Land $27,232 Building $86,874

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 709 Ridgeview Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	19 (1980–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 3 claims

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 709 Ridgeview Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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