115 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 115 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,120 sqft · built 1979
Lot Size	1.11 acres (48,604 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Apr 2020)
Tax Bill	$1,554 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22283`

Property Details

APN / Parcel Number

Primary APN	`22283`
Alternative APN	`1330726`

Interior

Stories	1 Story
Building Area	2,120 sqft Finished Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	48,604 sqft (1.11 acres)
Lot Dimensions	419 ft deep x 116 ft wide
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1330726
Street Address	115 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	PT#3B PB5-49 BORDERS RD
Legal Subdivision	S LESTER ROBERTS LAND
Legal Block	1
Legal Lot Number	14
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3008
Census Tract	950701

Owner

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	Individual Name on Record
Mailing Address	115 BORDERS RD, SHELBY, NC 28152-0917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Jul 25, 2011 · Amount on Record
Deed Document Number	202038747
Deed Book / Page	1812 / 422
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Apr 30, 2020
Property Address	115 BORDERS RD, SHELBY, NC 28152-0917
Document Number	0018120422
Book / Page	1812 / 422
Map Reference	MB 5 PG 49
Instrument Date	Apr 24, 2020
Instrument	200038747
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1309 BLOOMINGDALE DR, 1309, CARY, NC 27511-5934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BORDERS RD, SHELBY, NC 28152-0917

Mortgage

Document Number	18120425
Date	Apr 30, 2020
Instrument	1812/0425

Lender

Name	ALLEN TATE MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$1,554.00 (+2.85%)	$151,890 (-) Land $21,054 Building $130,836	$151,890 (-) Land $21,054 Building $130,836
2025	$1,511.00	$151,890 (+41.81%) Land $21,054 Building $130,836	$151,890 (+41.81%) Land $21,054 Building $130,836
2023		$107,108 Land $18,948 Building $88,160	$107,108 Land $18,948 Building $88,160

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

Flood

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.

Wildfire

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.

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 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