Cleveland County property record for 109 Borders Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 2,298 sqft · built 1948 |
| Lot Size | 2.01 acres (87,556 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $151,500 (Jul 2024) |
| Tax Bill | $2,592 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Aug 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22272 |
| Primary APN | 22272 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,298 sqft Finished Area |
| Upper Floors Area | 563 sqft |
| Basement Area | 868 sqft |
| Unfinished Basement | 868 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 87,556 sqft (2.01 acres) |
| Lot Dimensions | 419 ft deep x 235 ft wide |
| Pool Area | 648 sqft |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1363952 |
|---|---|
| Street Address | 109 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-0917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 2B PB5-49 |
| Legal Subdivision | S LESTER ROBERTS LAND |
| Legal Block | 1 |
| Legal Lot Number | 2B |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 950701 |
Source: Cleveland County records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 109 BORDERS RD, SHELBY, NC 28152-0917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 16, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Dec 31, 2018 | Grant Deed, Transfer |
| Jul 6, 2018 | Grant Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on Record |
| Deed Sale | Jul 3, 2024 · Amount on Record |
| Prior Sale | Jul 6, 2018 · Amount on Record |
| Deed Document Number | 2024200102147 |
| Deed Book / Page | 1924 / 1497 |
| Prior Transfer Date | Jul 3, 2018 |
| Prior Transfer Doc | 0017710924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 109 BORDERS RD, SHELBY, NC 28152-0917 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 BORDERS RD, SHELBY, NC 28152-0917 |
| Document Number | 0018882152 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 1888/2152 |
| Instrument | 200081773 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 109 BORDERS RD, SHELBY, NC 28152-0917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017962636 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 1796/2636 |
| Instrument | 200029463 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | FAYETTEVILLE, NC 28311 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 5, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Dec 31, 2018 |
| Property Address | 109 BORDERS RD, SHELBY, NC 28152-0917 |
| Document Number | 0017830413 |
| Book / Page | 001783 / 000413 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 21603 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 675 HARPER LN GASTONIA NC 280544845, GASTONIA, NC 28054-4845 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 6, 2018 |
| Property Address | 109 BORDERS RD, SHELBY, NC 28152-0917 |
| Document Number | 0017710924 |
| Book / Page | 001771 / 000924 |
| Instrument Date | Jul 3, 2018 |
| Instrument | 15484 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,592.00 (+1.45%) | $256,834 (-) Land $31,458 Building $225,376 | $256,834 (-) Land $31,458 Building $225,376 |
| 2025 | $2,555.00 | $256,834 (+29.57%) Land $31,458 Building $225,376 | $256,834 (+29.57%) Land $31,458 Building $225,376 |
| 2023 | $198,226 Land $38,387 Building $159,839 | $198,226 Land $38,387 Building $159,839 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 5, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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