Cleveland County property record for 823 E Main St, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,885 sqft · built 1962 |
| Lot Size | 0.467 acres (20,352 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $87,000 (Jan 2013) |
| Tax Bill | $1,857 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Jan 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 29671 |
| Primary APN | 29671 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,885 sqft Finished Area |
| Basement Area | 1,885 sqft |
| Finished Basement | 435 sqft |
| Unfinished Basement | 1,450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Lot Area | 20,352 sqft (0.467 acres) |
| Lot Dimensions | 212 ft deep x 96 ft wide |
| Garage Type | Carport |
| Garage Area | 286 sqft |
| Carport | Carport |
| Carport Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 40 sqft |
| Deck Area | 384 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1309416 |
|---|---|
| Street Address | 823 E MAIN ST |
| City | SHELBY |
| State | NC |
| Zip | 28150-6117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | #7 BLK F EASTWAY HGHTS SD PB8-60 |
| Legal Subdivision | EASTWAY HGHTS |
| Legal Block | 3 |
| Legal Lot Number | 20 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 950702 |
Source: Cleveland County records · APN 29671
Assessment roll updated September 30, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 823 E MAIN ST, SHELBY, NC 28150-6117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Jan 27, 2017 | Loan Modification, Mortgage · Conventional with PMI JP MORGAN CHASE BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 23, 2013 · Amount on Record |
| Deed Sale | Jan 23, 2013 · Amount on Record |
| Prior Sale | May 07, 2012 · Amount on Record |
| Deed Document Number | 2013729 |
| Deed Book / Page | 1649 / 1672 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 823 E MAIN ST, SHELBY, NC 28150-6117 |
| Document Number | 0018061847 |
| Instrument Date | Jan 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 823 E MAIN ST SHELBY NC 281506117, SHELBY, NC 28150-6117 |
| Document Number | 0018061847 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 001806/001847 |
| Instrument | 35503 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 30, 2045 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 823 E MAIN ST, SHELBY, NC 28150-6117 |
| Document Number | 0017370489 |
| Book / Page | 001737 / 000489 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 823 E MAIN ST SHELBY NC 281506117, SHELBY, NC 28150-6117 |
| Document Number | 0017370489 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 001737/000489 |
| Instrument | 2080 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203-4774 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 26, 2047 |
| Rate | 3.5% |
|---|
Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $186,710 (-) Land $17,418 Building $169,292 | $186,710 (-) Land $17,418 Building $169,292 | |
| 2025 | $1,857.00 | $186,710 (+33.71%) Land $17,418 Building $169,292 | $186,710 (+33.71%) Land $17,418 Building $169,292 |
| 2023 | $139,638 Land $14,515 Building $125,123 | $139,638 Land $14,515 Building $125,123 |
Source: FEMA National Flood Hazard Layer as of March 5, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 1 (2020) |
| Most Recent Claim | Feb 2020 · Severe Storms, Tornadoes, And Flooding |
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Ripple Fiber.
Based on FCC filings for 90 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SHELBY serves 23,600 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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