Cleveland County property record for 1204 Borders Rd, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,025 sqft · built 1966 |
| Lot Size | 0.417 acres (18,180 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jul 2025) |
| Tax Bill | $1,093 (2026) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25340 |
| Primary APN | 25340 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,025 sqft Finished Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 18,180 sqft (0.417 acres) |
| Lot Dimensions | 202 ft deep x 90 ft wide |
| Porch | Slab |
| Porch Area | 92 sqft |
| Canopy | 36 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1324523 |
|---|---|
| Street Address | 1204 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28150-9763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | LOT RD 2047 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 950701 |
Source: Cleveland County records, as of October 19, 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 | 1618 BEVERLY LN, LINCOLNTON, NC 28092-8673 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Apr 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| May 6, 2019 | Warranty Deed, Transfer · FHA Mortgage NFM LNDG |
| Jul 31, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage OLD NORTH CAP INVS LLC |
| Oct 5, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2025 · Amount on Record |
| Deed Sale | Jul 2, 2025 · Amount on Record |
| Prior Sale | May 6, 2019 · Amount on Record |
| Deed Document Number | 2025200115712 |
| Deed Book / Page | 1950 / 904 |
| Prior Transfer Date | Jul 31, 2013 |
| Prior Transfer Doc | 0016621051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 2, 2025 |
| Property Address | 1204 BORDERS RD, SHELBY, NC 28150-9763 |
| Document Number | 0019500904 |
| Book / Page | 1950 / 904 |
| Instrument Date | Jun 27, 2025 |
| Instrument | 200115712 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1204 BORDERS RD, SHELBY, NC 28150-9763 |
| Name | Verified Name |
|---|---|
| Address | 1618 BEVERLY LN, LINCOLNTON, NC 28092-8673 |
| Document Number | 0200115713 |
|---|---|
| Date | Jul 2, 2025 |
| Instrument | 200115713 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 1204 BORDERS RD, SHELBY, NC 28150-9763 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0018371441 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 1837/1441 |
| Instrument | 200053190 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 6, 2019 |
| Property Address | 1204 BORDERS RD, SHELBY, NC 28150-9763 |
| Document Number | 0017910422 |
| Book / Page | 001791 / 000422 |
| Instrument Date | May 6, 2019 |
| Instrument | 25959 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1204 BORDERS RD SHELBY NC 281509763, SHELBY, NC 28150-9763 |
| Document Number | 17910424 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 001791/000424 |
| Instrument | 25960 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 5, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 31, 2018 |
| Property Address | 1204 BORDERS RD, SHELBY, NC 28150-9763 |
| Document Number | 0017730345 |
| Book / Page | 001773 / 000345 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 16429 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3306 EASTOVER RIDGE DR #311 CHARLOTTE NC 282111460, 311, CHARLOTTE, NC 28211-1460 |
| Document Number | 17730345 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 001773/000345 |
| Instrument | 16429 |
| Name | OLD NORTH CAP INVS LLC |
|---|---|
| Address | CHARLOTTE, NC 28202 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 30, 2019 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Oct 5, 2017 |
| Property Address | 1204 BORDERS RD, SHELBY, NC 28150-9763 |
| Document Number | 0017520960 |
| Book / Page | 001752 / 000960 |
| Instrument Date | Oct 5, 2017 |
| Instrument | 5555 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3306 EASTOVER RIDGE DR #311 CHARLOTTE NC 282111460, 311, CHARLOTTE, NC 28211-1460 |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,093.00 (+4.29%) | $165,100 (-) Land $12,600 Building $152,500 | $165,100 (-) Land $12,600 Building $152,500 |
| 2025 | $1,048.00 | $165,100 (+88.78%) Land $12,600 Building $152,500 | $165,100 (+88.78%) Land $12,600 Building $152,500 |
| 2023 | $87,457 Land $6,048 Building $81,409 | $87,457 Land $6,048 Building $81,409 |
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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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