818 Waters St, Shelby, NC 28152 Property Records

Cleveland County property record for 818 Waters St, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,782 sqft · built 1976
Lot Size	0.367 acres (16,000 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Sep 2020)
Tax Bill	$2,087 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30007`

Property Details

APN / Parcel Number

Primary APN	`30007`
Alternative APN	`1333236`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,782 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1995
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	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	408 sqft
Storage Building	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1333236
Street Address	818 WATERS ST
City	SHELBY
State	NC
Zip	28152-7141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	#3PB12-36 OLDE FRM EST
Legal Subdivision	OLDE FRM ESTATE
Legal Block	6
Legal Lot Number	3
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	5
Census Block	5002
Census Tract	951200

Owner

818 Waters St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	818 WATERS ST, SHELBY, NC 28152-7141
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	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Deed Document Number	202044811
Deed Book / Page	1822 / 1873
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 29, 2020
Property Address	818 WATERS ST, SHELBY, NC 28152-7141
Document Number	0018221873
Book / Page	1822 / 1873
Map Reference	MB 12 PG 36
Instrument Date	Sep 21, 2020
Instrument	200044811
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 WATERS ST, SHELBY, NC 28152-7141

Mortgage

Document Number	18221876
Date	Sep 29, 2020
Instrument	1822/1876

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 818 Waters St was $2,087, up 2% 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	$2,087.00 (+1.95%)	$205,806 (-) Land $15,450 Building $190,356	$205,806 (-) Land $15,450 Building $190,356
2025	$2,047.00	$205,806 Land $15,450 Building $190,356	$205,806 Land $15,450 Building $190,356
2023		$155,040 Land $12,360 Building $142,680	$155,040 Land $12,360 Building $142,680

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

Flood

FEMA maps place 818 Waters 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
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

Wildfire risk around 818 Waters St is low, with a 0.03% 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	0.03% 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	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 169 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20