Cleveland County property record for 810 Waters St, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,350 sqft · built 1976 |
| Lot Size | 0.367 acres (16,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Feb 2024) |
| Tax Bill | $2,885 (2026) |
| Deeds & Mortgages | Nov 2021 Line of Credit Feb 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30011 |
| Primary APN | 30011 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,350 sqft Finished Area |
| Basement Area | 678 sqft |
| Finished Basement | 678 sqft |
| Unfinished Basement | 716 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 16,000 sqft (0.367 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 426 sqft |
| Carport | Carport |
| Carport Area | 426 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 342 sqft |
| Storage Building | 114 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1361364 |
|---|---|
| Street Address | 810 WATERS ST |
| City | SHELBY |
| State | NC |
| Zip | 28152-7141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | #7PB12-36OLDEFARM EST |
| Legal Subdivision | OLD FARM ESTATES |
| Legal Block | 6 |
| Legal Lot Number | 7 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 951200 |
810 Waters St is owned and occupied by an individual who bought it in February 2024.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 810 WATERS ST, SHELBY, NC 28152-7141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
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 |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU |
| Feb 2, 2024 | Warranty Deed, Transfer |
| Dec 18, 2023 | Warranty Deed, Transfer TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC |
| Sep 30, 2019 | Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2024 · Amount on File |
| Deed Sale | Feb 2, 2024 · Amount on File |
| Prior Sale | Dec 18, 2023 · Amount on File |
| Deed Document Number | 2024200096740 |
| Deed Book / Page | 141 / 723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 810 WATERS ST, SHELBY, NC 28152-7141 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0018562558 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 1856/2558 |
| Instrument | 200063913 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Feb 2, 2024 |
| Property Address | 810 WATERS ST, SHELBY, NC 28152-7141 |
| Document Number | 0019141723 |
| Book / Page | 1914 / 1723 |
| Map Reference | MB 12 PG 36 |
| Instrument Date | Feb 2, 2024 |
| Instrument | 200096740 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Dec 18, 2023 |
| Property Address | 810 WATERS ST, SHELBY, NC 28152-7141 |
| Document Number | 0019120452 |
| Book / Page | 1912 / 452 |
| Map Reference | MB 12 PG 36 |
| Instrument Date | Dec 13, 2023 |
| Instrument | 200095311 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $533.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 151 DELTA PARK DR APT 7, 7, SHELBY, NC 28150-3692 |
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 810 WATERS ST, SHELBY, NC 28152-7141 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0017991215 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 1799/1215 |
| Instrument | 200031030 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jul 19, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 810 Waters St was $2,885, up 1.3% 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 | $2,885.00 (+1.26%) | $286,416 (-) Land $15,450 Building $270,966 | $286,416 (-) Land $15,450 Building $270,966 |
| 2025 | $2,849.00 | $286,416 Land $15,450 Building $270,966 | $286,416 Land $15,450 Building $270,966 |
| 2023 | $136,313 Land $12,360 Building $123,953 | $136,313 Land $12,360 Building $123,953 |
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 810 Waters St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2000.
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 |
| Nearby Flood Claims | 7 (2000–2024) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
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 810 Waters St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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