Cleveland County property record for 807 Howard St, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,738 sqft · built 1952 |
| Lot Size | 0.456 acres (19,902 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,166 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19536 |
| Primary APN | 19536 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,738 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 19,902 sqft (0.456 acres) |
| Lot Dimensions | 214 ft deep x 93 ft wide |
| Garage Type | Carport |
| Garage Area | 560 sqft |
| Carport | Carport |
| Carport Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Storage Building | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1333346 |
|---|---|
| Street Address | 807 HOWARD ST |
| City | SHELBY |
| State | NC |
| Zip | 28152-6529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | #5 B BLK B SUNSHINE PB 6- |
| Legal Subdivision | SUNSHINE TERRACE |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 951200 |
807 Howard St is owned and occupied by an individual who acquired it in October 2020.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 807 HOWARD ST, SHELBY, NC 28152-6529 |
| 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.
| Date | Document |
|---|---|
| Aug 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Aug 2, 2018 | Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY |
| Oct 7, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 6, 2020 |
| Transfer Doc | 0018230957 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 807 HOWARD ST, SHELBY, NC 28152-6529 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0018480558 |
|---|---|
| Date | Aug 4, 2021 |
| Book Page | 1848/558 |
| Instrument | 200059181 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 807 HOWARD ST, SHELBY, NC 28152-6529 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017730803 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 1773/0803 |
| Instrument | 200016524 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Oct 7, 2020 |
| Property Address | 807 HOWARD ST, SHELBY, NC 28152-6529 |
| Document Number | 0018230957 |
| Book / Page | 001823 / 000957 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 45176 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 807 HOWARD ST SHELBY NC 281526529, SHELBY, NC 28152-6529 |
The 2026 property tax bill for 807 Howard St was $1,166, up 4% 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 | $1,166.00 (+4.01%) | $112,741 (-) Land $16,665 Building $96,076 | $112,741 (-) Land $16,665 Building $96,076 |
| 2025 | $1,121.00 | $112,741 Land $16,665 Building $96,076 | $112,741 Land $16,665 Building $96,076 |
| 2023 | $83,693 Land $12,499 Building $71,194 | $83,693 Land $12,499 Building $71,194 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 807 Howard St in Zone X, an area of minimal flood risk.
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 | 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 807 Howard 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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