Cleveland County property record for 804 Broad St, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,084 sqft · built 1952 |
| Lot Size | 0.385 acres (16,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Mar 2026) |
| Tax Bill | $1,628 (2026) |
| Deeds & Mortgages | Aug 2021 Line of Credit Mar 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19546 |
| Primary APN | 19546 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,084 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Shed Roof |
| Lot Area | 16,800 sqft (0.385 acres) |
| Lot Dimensions | 175 ft deep x 96 ft wide |
| Porch | Slab |
| Porch Area | 100 sqft |
| Shed | 1 Shed |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1349018 |
|---|---|
| Street Address | 804 BROAD ST |
| City | SHELBY |
| State | NC |
| Zip | 28152-6516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | #10A PB6-23 SUNSHINE TERR |
| Legal Subdivision | SUNSHINE TERR |
| Legal Block | 5 |
| Legal Lot Number | 10 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 951200 |
804 Broad St is owned and occupied by an individual who bought it in March 2026.
Source: Cleveland County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 804 BROAD ST, SHELBY, NC 28152-6516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 17, 2021 | Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU |
| Mar 18, 2026 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORS BANK |
| Aug 4, 2022 | Warranty Deed, Transfer |
| Mar 11, 2020 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2026 · Amount on File |
| Deed Sale | Mar 18, 2026 · Amount on File |
| Prior Sale | Aug 4, 2022 · Amount on File |
| Deed Document Number | 2026200125867 |
| Deed Book / Page | 1969 / 1669 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 804 BROAD ST, SHELBY, NC 28152-6516 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0018490898 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 1849/898 |
| Instrument | 200059852 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 30, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 18, 2026 |
| Property Address | 804 BROAD ST, SHELBY, NC 28152-6516 |
| Document Number | 0019691669 |
| Book / Page | 1969 / 1669 |
| Map Reference | MB 6 PG 23 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 200125867 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 APPLE CT, KINGS MOUNTAIN, NC 28086-9104 |
| Name | Verified Name |
|---|---|
| Address | 804 BROAD ST, SHELBY, NC 28152-6516 |
| Document Number | 0200125868 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 200125868 |
| Name | NEIGHBORS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Number | 0019691685 |
|---|---|
| Date | Mar 18, 2026 |
| Book Page | 1969/1685 |
| Instrument | 200125869 |
| Name | NEIGHBORS BANK |
|---|---|
| Type | Bank |
| Address | 3621 DISCOVERY PKWY STE 115, COLUMBIA, MO 65201 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Aug 4, 2022 |
| Property Address | 804 BROAD ST, SHELBY, NC 28152-6516 |
| Document Number | 0018791676 |
| Book / Page | 1879 / 1676 |
| Map Reference | MB 6 PG 23 |
| Instrument Date | Aug 4, 2022 |
| Instrument | 200076677 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $344.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 APPLE CT, KINGS MOUNTAIN, NC 28086 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 11, 2020 |
| Property Address | 804 BROAD ST, SHELBY, NC 28152-6516 |
| Document Number | 0018090142 |
| Book / Page | 1809 / 142 |
| Map Reference | MB 6 PG 23 |
| Instrument Date | Mar 10, 2020 |
| Instrument | 200036982 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $183.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 HERITAGE LN, 23, SHELBY, NC 28150-9713 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 804 BROAD ST, SHELBY, NC 28152-6516 |
| Document Number | 0018090145 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 1809/0145 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2026 property tax bill for 804 Broad St was $1,628, up 2.6% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,628.00 (+2.65%) | $159,440 (-) Land $16,588 Building $142,852 | $159,440 (-) Land $16,588 Building $142,852 |
| 2025 | $1,586.00 | $159,440 Land $16,588 Building $142,852 | $159,440 Land $16,588 Building $142,852 |
| 2023 | $56,658 Land $12,441 Building $44,217 | $56,658 Land $12,441 Building $44,217 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 804 Broad St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 risk around 804 Broad St is low, with less than 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 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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