803 Phillips St, Shelby, NC 28150 Property Records

Cleveland County property record for 803 Phillips St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,664 sqft · built 1958
Lot Size	0.52 acres (22,856 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Nov 2017)
Tax Bill	$2,633 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21209`

Property Details

APN / Parcel Number

Primary APN	`21209`
Alternative APN	`1317694`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,664 sqft Finished Area
Basement Area	1,753 sqft
Finished Basement	714 sqft
Unfinished Basement	1,039 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	22,856 sqft (0.52 acres)
Lot Dimensions	265 ft deep x 75 ft wide
Porch	Slab
Porch Area	68 sqft
Deck Area	411 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1317694
Street Address	803 PHILLIPS ST
City	SHELBY
State	NC
Zip	28150-5547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LOT#30,31,32&PT52&53 EASTERN HTS SD PB6-70
Legal Subdivision	EASTERN HTS
Legal Block	2
Legal Lot Number	30-32
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1003
Census Tract	951000

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	2 Individual Names on Record
Mailing Address	803 PHILLIPS ST, SHELBY, NC 28150-5547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Nov 20, 2017	Warranty Deed, Transfer · Conventional Mortgage ALLEN TATE MORTGAGE PARTNERS LLC
Mar 15, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2017 · Amount on Record
Deed Sale	Nov 20, 2017 · Amount on Record
Deed Document Number	20177290
Deed Book / Page	1755 / 1433
Prior Transfer Date	Oct 21, 2016
Prior Transfer Doc	0000009343
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	803 PHILLIPS ST, SHELBY, NC 28150-5547
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018611268
Date	Dec 28, 2021
Book Page	1861/1268
Instrument	200066335

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	803 PHILLIPS ST, SHELBY, NC 28150-5547
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018390795
Date	Apr 23, 2021
Book Page	1839/795
Instrument	200054232

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Nov 20, 2017
Property Address	803 PHILLIPS ST, SHELBY, NC 28150-5547
Document Number	0017551433
Book / Page	1755 / 1433
Instrument Date	Nov 20, 2017
Instrument	2017-007290
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1223 NEW CREST LN, 1223, SHELBY, NC 28150-9782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 PHILLIPS ST, SHELBY, NC 28150-5547

Mortgage

Document Number	0017551436
Date	Nov 20, 2017
Book Page	1755/1436
Instrument	200007291

Lender

Name	ALLEN TATE MORTGAGE PARTNERS LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28262

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 15, 2017
Property Address	803 PHILLIPS ST, SHELBY, NC 28150-5547
Document Number	0017381070
Book / Page	001738 / 001070
Instrument Date	Mar 15, 2017
Instrument	2659
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$86.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1406 SHELBY NC 281511406, SHELBY, NC 28151-1406

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	$2,633.00 (+1.43%)	$260,925 (-) Land $31,493 Building $229,432	$260,925 (-) Land $31,493 Building $229,432
2025	$2,596.00	$260,925 (+41.92%) Land $31,493 Building $229,432	$260,925 (+41.92%) Land $31,493 Building $229,432
2023		$183,857 Land $31,493 Building $152,364	$183,857 Land $31,493 Building $152,364

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	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

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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