Cleveland County property record for 810 Phillips St, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 2,291 sqft · built 1956 |
| Lot Size | 0.5 acres (21,654 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,808 (2026) |
| Deeds & Mortgages | Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21117 |
| Primary APN | 21117 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,291 sqft Finished Area |
| Basement Area | 976 sqft |
| Unfinished Basement | 976 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 21,654 sqft (0.5 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 300 sqft |
| Carport | Carport |
| Carport Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 616 sqft |
| Deck Area | 224 sqft |
| Gazebo | Gazebo |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1277529 |
|---|---|
| Street Address | 810 PHILLIPS ST |
| City | SHELBY |
| State | NC |
| Zip | 28150-5548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | 810 PHILLIPS ST |
| Legal Subdivision | ROY & SARAH GRAHAM |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 951000 |
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 | 810 PHILLIPS ST, SHELBY, NC 28150-5548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 810 PHILLIPS ST, SHELBY, NC 28150-5548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017751405 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 1775/1405 |
| Instrument | 200017704 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,808.00 (+1.34%) | $278,580 (-) Land $33,506 Building $245,074 | $278,580 (-) Land $33,506 Building $245,074 |
| 2025 | $2,771.00 | $278,580 (+108.09%) Land $33,506 Building $245,074 | $278,580 (+108.09%) Land $33,506 Building $245,074 |
| 2023 | $133,872 Land $33,506 Building $100,366 | $133,872 Land $33,506 Building $100,366 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | 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.
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 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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