902 Spring Garden Dr, Shelby, NC 28150 Property Records

Cleveland County property record for 902 Spring Garden Dr, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,074 sqft · built 1958
Lot Size	0.466 acres (20,300 sqft)
Owner	Individual Name on File
Last Sale	$185,500 (Aug 2020)
Tax Bill	$2,604 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21140`

Property Details

APN / Parcel Number

Primary APN	`21140`
Alternative APN	`1332672`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,074 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Lot Area	20,300 sqft (0.466 acres)
Lot Dimensions	203 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	26 sqft
Deck Area	512 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1332672
Street Address	902 SPRING GARDEN DR
City	SHELBY
State	NC
Zip	28150-5557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LOT #4 BLK A PB8-9 SPRING G SD
Legal Subdivision	SPRING G SD
Legal Block	3
Legal Lot Number	4
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1012
Census Tract	951000

Owner

902 Spring Garden Dr is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	902 SPRING GARDEN DR, SHELBY, NC 28150-5557
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

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 11, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Prior Sale	Jan 27, 2011 · Amount on File
Deed Document Number	202042763
Deed Book / Page	1819 / 310
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	902 SPRING GARDEN DR, SHELBY, NC 28150-5557
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018840230
Date	Oct 5, 2022
Book Page	1884/230
Instrument	200079205

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SHELBY, NC 28151

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 11, 2020
Property Address	902 SPRING GARDEN DR, SHELBY, NC 28150-5557
Document Number	0018190310
Book / Page	1819 / 310
Map Reference	MB 8 PG 9
Instrument Date	Jun 17, 2020
Instrument	200042763
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 SPRING GARDEN DR, SHELBY, NC 28150-5557

Mortgage

Document Number	1819313
Date	Aug 11, 2020
Instrument	1819/313

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	363 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 902 Spring Garden Dr was $2,604, up 1.5% 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	$2,604.00 (+1.48%)	$257,979 (-) Land $29,456 Building $228,523	$257,979 (-) Land $29,456 Building $228,523
2025	$2,566.00	$257,979 Land $29,456 Building $228,523	$257,979 Land $29,456 Building $228,523
2023		$164,301 Land $29,456 Building $134,845	$164,301 Land $29,456 Building $134,845

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

Flood

FEMA maps place 902 Spring Garden Dr in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1980.

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	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 3 claims

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 902 Spring Garden Dr 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 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.

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 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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