Cleveland County property record for 822 Waters St, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 2,112 sqft · built 1976 |
| Lot Size | 0.418 acres (18,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Oct 2024) |
| Tax Bill | $2,143 (2026) |
| Deeds & Mortgages | Apr 2020 Loan Modification Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30005 |
| Primary APN | 30005 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,112 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 18,240 sqft (0.418 acres) |
| Lot Dimensions | 160 ft deep x 114 ft wide |
| Porch | Slab |
| Porch Area | 204 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1366600 |
|---|---|
| Street Address | 822 WATERS ST |
| City | SHELBY |
| State | NC |
| Zip | 28152-7141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LOT#1 PB12-36 OLDE FARM ESTATES |
| Legal Subdivision | OLDE FARM |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 951200 |
822 Waters St is owned and occupied by an individual who bought it in October 2024.
Source: Cleveland County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 822 WATERS ST, SHELBY, NC 28152-7141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
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 |
|---|---|
| Apr 1, 2020 | Loan Modification, Mortgage · Conventional with PMI MR COOPER |
| Jun 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2024 · Amount on File |
| Deed Sale | Oct 28, 2024 · Amount on File |
| Prior Sale | Jun 20, 2017 · Amount on File |
| Deed Document Number | 2024200106322 |
| Deed Book / Page | 1932 / 379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 822 WATERS ST, SHELBY, NC 28152-7141 |
| Document Number | 0018111586 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 822 WATERS ST SHELBY NC 281527141, SHELBY, NC 28152-7141 |
| Document Number | 0018111586 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 001811/001586 |
| Instrument | 38436 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Apr 21, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jun 20, 2017 |
| Property Address | 822 WATERS ST, SHELBY, NC 28152-7141 |
| Document Number | 0017442158 |
| Book / Page | 1744 / 2158 |
| Map Reference | PL MB 12 PG 36 |
| Instrument Date | Jun 19, 2017 |
| Instrument | 200001701 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2920 WALLACE RD, 2920, GAINESVILLE, GA 30507-9103 |
| Name | Verified Name |
|---|---|
| Address | 822 WATERS ST, SHELBY, NC 28152-7141 |
| Document Number | 0017442163 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 1744/2163 |
| Instrument | 200001702 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2026 property tax bill for 822 Waters St was $2,143, up 1.9% 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 | $2,143.00 (+1.9%) | $211,451 (-) Land $17,613 Building $193,838 | $211,451 (-) Land $17,613 Building $193,838 |
| 2025 | $2,103.00 | $211,451 Land $17,613 Building $193,838 | $211,451 Land $17,613 Building $193,838 |
| 2023 | $156,171 Land $14,090 Building $142,081 | $156,171 Land $14,090 Building $142,081 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 822 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 risk around 822 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.
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 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 |
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