950 Padgett Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 950 Padgett Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Lot Size	15.4 acres (670,824 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (May 2022)
Tax Bill	$582 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31300`

Property Details

APN / Parcel Number

Primary APN	`31300`
Alternative APNs	`1322737` `1347984`

Exterior

Lot Area	670,824 sqft (15.4 acres)

Location & Zoning

Account Number	1347984
Street Address	950 PADGETT RD
City	SHELBY
State	NC
Zip	28150-7907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	15.4 AC RD 1325
Legal Subdivision	NEW HOUSE AREA
Legal Block	1
Legal Lot Number	49
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2024
Census Tract	951400

Owner

950 Padgett Rd is owned by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2324 GASTONIA HWY, LINCOLNTON, NC 28092-8276
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2022 · Amount on File
Deed Sale	May 17, 2022 · Amount on File
Deed Document Number	2022200073000
Deed Book / Page	1873 / 503
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 17, 2022
Property Address	950 PADGETT RD, SHELBY, NC 28150-7907
Document Number	0018730503
Book / Page	1873 / 503
Instrument Date	May 12, 2022
Instrument	200073000
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 RIVER COURT PKWY, SANDY SPRINGS, GA 30328-1103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2324 GASTONIA HWY, LINCOLNTON, NC 28092-8276

Mortgage

Document Number	0001873506
Date	May 17, 2022
Instrument	1873/506

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jun 1, 2023
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	5.87%
Index	Other
Max Rate	9.87%

Tax Assessment & Valuation

The 2026 property tax bill for 950 Padgett Rd was $582, down 0.3% from the year before.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$582.00 (-0.34%)	$92,045 (-) Land $89,597 Building $2,448	$92,045 (-) Land $89,597 Building $2,448
2025	$584.00	$92,045 Land $89,597 Building $2,448	$92,045 Land $89,597 Building $2,448
2023		$54,207 Land $54,207	$54,207 Land $54,207

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

Flood

FEMA maps place 950 Padgett Rd 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 950 Padgett Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055
Water Source	Surface water
Last State Inspection	Feb 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Padgett Rd

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