903 E Main St, Shelby, NC 28150 Property Records

Cleveland County property record for 903 E Main St, Shelby, NC 28150 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1,595 sqft · built 1964
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jan 2024)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29697`

Property Details

APN / Parcel Number

Primary APN	`29697`
Alternative APNs	`1294233` `1361311`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,595 sqft Finished Area
Basement Area	1,595 sqft
Unfinished Basement	1,595 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1995
Exterior Material	Brick
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	162 ft deep x 136 ft wide
Porch	Slab
Porch Area	242 sqft
Deck Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1361311
Street Address	903 E MAIN ST
City	SHELBY
State	NC
Zip	28150-6119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.48AC MAJ PT LOT#7 BLK H EASTWAY HEIGHTS PB8-60
Legal Subdivision	EASTWAY HEIGHTS
Legal Block	2
Legal Lot Number	7
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1014
Census Tract	950702

Owner

Source: Cleveland County records · APN 29697

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	Individual Name on File
Mailing Address	34 FAIR ST, HACKENSACK, NJ 07601-5407
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 10, 2023	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Jul 14, 2017	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	Feb 10, 2023 · Amount on Record
Deed Document Number	2024200096549
Deed Book / Page	140 / 800
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 29, 2024
Property Address	903 E MAIN ST, SHELBY, NC 28150-6119
Document Number	0019140800
Book / Page	1914 / 800
Map Reference	MB 8 PG 60
Instrument Date	Jan 29, 2024
Instrument	200096549
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 19705, CHARLOTTE, NC 28219-9705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 FAIR STREE #1 # 1, 1, HACKENSACK, NJ 07601-5407

Mortgage

Document Number	0001914803
Date	Jan 29, 2024
Instrument	1914/803

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Feb 10, 2023
Property Address	903 E MAIN ST, SHELBY, NC 28150-6119
Document Number	0018920520
Book / Page	1892 / 520
Map Reference	MB 8 PG 60
Instrument Date	Feb 01, 2023
Instrument	200083758
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 SPANGLER DR, SHELBY, NC 28150-6136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 E MAIN ST, SHELBY, NC 28150-6119

Mortgage

Document Number	0001892524
Date	Feb 10, 2023
Instrument	1892/524

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Mar 01, 2028
Change Frequency	5 Years
Min Rate At Change	3.9%
Max Rate At Change	7.9%
Index	5-Year TN
Max Rate	11.9%

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	903 E MAIN ST, SHELBY, NC 28150-6119
Document Number	0017480001
Book / Page	001748 / 000001
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 E MAIN ST SHELBY NC 281506119, SHELBY, NC 28150-6119

Mortgage

Document Number	0017480001
Date	Aug 02, 2017
Book Page	001748/000001
Instrument	3330

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Aug 01, 2044

Tax Assessment & Valuation

Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026

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

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		$204,185 (-) Land $25,948 Building $178,237	$204,185 (-) Land $25,948 Building $178,237
2025	$2,031.00	$204,185 (+60.7%) Land $25,948 Building $178,237	$204,185 (+60.7%) Land $25,948 Building $178,237
2023		$127,060 Land $21,624 Building $105,436	$127,060 Land $21,624 Building $105,436

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cleveland County (37045C), updated March 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370459507021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020, river or lake flooding, Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 124 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 50
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures