800 Charles Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 800 Charles Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,750 sqft · built 1955
Lot Size	0.487 acres (21,250 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jan 2026)
Tax Bill	$2,066 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21819`

Property Details

APN / Parcel Number

Primary APN	`21819`
Alternative APNs	`1343088` `1367556`

Interior

Stories	1 Story
Building Area	1,750 sqft Finished Area
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Foundation Type	Footing
Lot Area	21,250 sqft (0.487 acres)
Lot Dimensions	170 ft deep x 125 ft wide
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	252 sqft
Canopy	40 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1367556
Street Address	800 CHARLES RD
City	SHELBY
State	NC
Zip	28152-6320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	#1 BLK C WESSON HGHTS II PB11-36
Legal Subdivision	WESSON HGHTS
Legal Block	2
Legal Lot Number	1
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1017
Census Tract	951200

Owner

800 Charles Rd is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	800 CHARLES RD, SHELBY, NC 28152-6320
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
Jan 15, 2026	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on File
Deed Sale	Jan 15, 2026 · Amount on File
Prior Sale	Sep 30, 2021 · Amount on File
Deed Document Number	2026200123578
Deed Book / Page	1965 / 848
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 15, 2026
Property Address	800 CHARLES RD, SHELBY, NC 28152-6320
Document Number	0019650848
Book / Page	1965 / 848
Map Reference	MB 11 PG 36
Instrument Date	Jan 15, 2026
Instrument	200123578
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 CHARLES RD, SHELBY, NC 28152-6320

Mortgage

Document Number	0200123579
Date	Jan 15, 2026
Instrument	200123579

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Mortgage

Document Number	0019650867
Date	Jan 15, 2026
Book Page	1965/867
Instrument	200123580

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	600 LYNNHAVEN PKWY, VIRGINIA BEACH, VA 23452

Agreement

Amount	Amount on Record

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 30, 2021
Property Address	800 CHARLES RD, SHELBY, NC 28152-6320
Document Number	0018531161
Book / Page	1853 / 1161
Map Reference	MB 11 PG 36
Instrument Date	Sep 30, 2021
Instrument	200062038
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 LAKEMONT DR, 149, SHELBY, NC 28150-8326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 CHARLES RD, SHELBY, NC 28152-6320

Mortgage

Document Number	18531164
Date	Sep 30, 2021
Instrument	1853/1164

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 800 Charles Rd was $2,066, up 2% 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	$2,066.00 (+1.97%)	$203,656 (-) Land $22,657 Building $180,999	$203,656 (-) Land $22,657 Building $180,999
2025	$2,026.00	$203,656 Land $22,657 Building $180,999	$203,656 Land $22,657 Building $180,999
2023		$79,781 Land $17,887 Building $61,894	$79,781 Land $17,887 Building $61,894

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 800 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 800 Charles Rd is low, with a 0.01% annual chance of 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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