907 Walnut St, Shelby, NC 28150 Property Records

Cleveland County property record for 907 Walnut St, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 2022
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Mar 2023)
Tax Bill	$1,684 (2025)
Deeds & Mortgages	Apr 2022 Construction Loan Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71323`

Property Details

APN / Parcel Number

Primary APN	`71323`
Alternative APNs	`1343727` `1355330`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,200 sqft Finished Area
Upper Floors Area	600 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	110 ft deep x 61 ft wide

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1355330
Street Address	907 WALNUT ST
City	SHELBY
State	NC
Zip	28150-4021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	0.157AC LOT#53 PB2-96 EST HER MILLS CO PROP
Legal Subdivision	ESTHER MILL
Legal Block	8
Legal Lot Number	53
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1038
Census Tract	950900

Owner

Source: Cleveland County assessment roll, as of September 30, 2025

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	907 WALNUT ST, SHELBY, NC 28150-4021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Construction Mortgage BANK OF THE OZARKS
Mar 21, 2023	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Mar 14, 2023	Warranty Deed, Transfer
Nov 29, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Prior Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	2023200085213
Deed Book / Page	1894 / 2046
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	907 WALNUT ST, SHELBY, NC 28150-4021
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 BENARD AVE, CHARLOTTE, NC 28206-2004

Mortgage

Document Number	0018691050
Date	Apr 6, 2022
Book Page	1869/1050
Instrument	200070950

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	LITTLE ROCK, AR 72231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 21, 2023
Property Address	907 WALNUT ST, SHELBY, NC 28150-4021
Document Number	0018942046
Book / Page	1894 / 2046
Map Reference	MB 2 PG 96
Instrument Date	Mar 21, 2023
Instrument	200085213
Transaction Type	Transfer
Record Updated	May 3, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3426 BENARD AVE, CHARLOTTE, NC 28206-2004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 WALNUT ST, SHELBY, NC 28150-4021

Mortgage

Document Number	0018942049
Date	Mar 21, 2023
Instrument	1894/2049

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	0018942059
Date	Mar 21, 2023
Book Page	1894/2059
Instrument	200085215

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 14, 2023
Property Address	907 WALNUT ST, SHELBY, NC 28150-4021
Document Number	0018940531
Book / Page	1894 / 531
Map Reference	MB 2 PG 96
Instrument Date	Mar 8, 2023
Instrument	200084924
Transaction Type	Transfer
Record Updated	Aug 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3426 BENARD AVE, CHARLOTTE, NC 28206-2004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 BENARD AVE, CHARLOTTE, NC 28206-2004

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Nov 29, 2021
Property Address	907 WALNUT ST, SHELBY, NC 28150-4021
Document Number	0018581354
Book / Page	1858 / 1354
Map Reference	MB 2 PG 96
Instrument Date	Nov 23, 2021
Instrument	200064803
Transaction Type	Transfer
Record Updated	Aug 31, 2023

Transaction

Amount	Amount Recorded
Tax	$6.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1316 FREDERICK ST, SHELBY, NC 28150-3506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 WALNUT ST, SHELBY, NC 28150-4021

Tax Assessment & Valuation

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		$169,307 (-) Land $4,721 Building $164,586	$169,307 (-) Land $4,721 Building $164,586
2025	$1,684.00	$169,307 (+103.75%) Land $4,721 Building $164,586	$169,307 (+103.75%) Land $4,721 Building $164,586
2023		$83,094 Land $3,147 Building $79,947	$83,094 Land $3,147 Building $79,947

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

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