810 Orchard St, Shelby, NC 28152 Property Records

Cleveland County property record for 810 Orchard St, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,189 sqft · built 1974
Lot Size	0.922 acres (40,200 sqft)
Owner	Individual Name on File
Tax Bill	$911 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1204108`

Property Details

APN / Parcel Number

Primary APN	`1204108`
Alternative APN	`4050`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,189 sqft Finished Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	40,200 sqft (0.922 acres)
Lot Dimensions	201 ft deep x 200 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	164 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1204108
Street Address	810 ORCHARD ST
City	SHELBY
State	NC
Zip	28152-7660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	ORCHARD ST
Legal Subdivision	WINTER PARK
Legal Block	2
Legal Lot Number	4
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3011
Census Tract	951602

Owner

810 Orchard St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	810 ORCHARD ST, SHELBY, NC 28152-7660
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
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	810 ORCHARD ST, SHELBY, NC 28152-7660
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 ORCHARD ST, SHELBY, NC 28152-7660

Mortgage

Document Number	0019630614
Date	Dec 16, 2025
Book Page	1963/614
Instrument	200122469

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 25, 2055

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 810 Orchard St was $911, up 9.1% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$911.00 (+9.1%)	$131,570 (-) Land $24,192 Building $107,378	$131,570 (-) Land $24,192 Building $107,378
2025	$835.00	$131,570 Land $24,192 Building $107,378	$131,570 Land $24,192 Building $107,378
2023		$99,779 Land $22,400 Building $77,379	$99,779 Land $22,400 Building $77,379

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

Flood

FEMA maps place 810 Orchard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 810 Orchard St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% 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	CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055
Water Source	Surface water
Last State Inspection	Feb 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20