808 Howard St, Shelby, NC 28152 Property Records

Cleveland County property record for 808 Howard St, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,188 sqft · built 1955
Lot Size	0.429 acres (18,711 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (May 2010)
Tax Bill	$746 (2026)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19542`

Property Details

APN / Parcel Number

Primary APN	`19542`
Alternative APN	`1266356`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,188 sqft Finished Area
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	18,711 sqft (0.429 acres)
Lot Dimensions	189 ft deep x 99 ft wide
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1266356
Street Address	808 HOWARD ST
City	SHELBY
State	NC
Zip	28152-6530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT #14A PB 6-23 SUNSHINE
Legal Subdivision	SUNSHINE TERR
Legal Block	5
Legal Lot Number	14A
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3011
Census Tract	951200

Owner

808 Howard St is owned and occupied by an individual who bought it in May 2010.

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

Owner of Record	Individual Name on File
Mailing Address	808 HOWARD ST, SHELBY, NC 28152-6530
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2010 · Amount on File
Deed Sale	May 27, 2010 · Amount on File
Deed Book / Page	1596 / 2433
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	808 HOWARD ST, SHELBY, NC 28152-6530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018300528
Date	Jan 5, 2021
Book Page	1830/528
Instrument	200049030

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 808 Howard St was $746 with a disabled person's exemption, down 48.5% 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	$746.00 (-48.52%)	$145,642 (-) Land $17,424 Building $128,218	$145,642 (-) Land $17,424 Building $128,218
2025	$1,449.00 Disabled Person's exemption	$145,642 Land $17,424 Building $128,218	$145,642 Land $17,424 Building $128,218
2023		$54,459 Land $13,068 Building $41,391	$54,459 Land $13,068 Building $41,391

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 808 Howard 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

Wildfire risk around 808 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.

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 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