Cleveland County property record for 1205 Borders Rd, Shelby, NC 28150
| Property Type | Single Family Home |
|---|---|
| Details | 1,319 sqft · built 1967 |
| Lot Size | 0.448 acres (19,530 sqft) |
| Owner | Company Name on File |
| Last Sale | $175,000 (Aug 2023) |
| Tax Bill | $1,064 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25348 |
| Primary APN | 25348 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,319 sqft Finished Area |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 19,530 sqft (0.448 acres) |
| Lot Dimensions | 217 ft deep x 90 ft wide |
| Garage Type | Carport |
| Garage Area | 156 sqft |
| Carport | Carport |
| Carport Area | 156 sqft |
| Porch | Slab |
| Porch Area | 224 sqft |
| Storage Building | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1340340 |
|---|---|
| Street Address | 1205 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28150-9763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | #12 A PB9-50 SPANGLER SD |
| Legal Subdivision | SPANGLER |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 950701 |
1205 Borders Rd is owned by a company that bought it in August 2023.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1026 BETHLEHEM RD, RC, KINGS MOUNTAIN, NC 28086-8719 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage LENDINGONE LLC |
| Aug 17, 2023 | Warranty Deed, Transfer |
| May 24, 2023 | Warranty Deed, Transfer |
| May 16, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on File |
| Deed Sale | Aug 17, 2023 · Amount on File |
| Prior Sale | May 24, 2023 · Amount on File |
| Deed Document Number | 2023200090909 |
| Deed Book / Page | 1904 / 1943 |
| Prior Transfer Date | Nov 12, 2008 |
| Prior Transfer Doc | 0015650312 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 1205 BORDERS RD, SHELBY, NC 28150-9763 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0018322843 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 1832/2843 |
| Instrument | 200050661 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 1205 BORDERS RD, SHELBY, NC 28150-9763 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Title Company | NOT AVAILABLE, APEX CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 1026 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-8719 |
| Document Number | 0019102425 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 1910/2425 |
| Instrument | 200094527 |
| Name | LENDINGONE LLC |
|---|---|
| Type | Lending Institution |
| Address | BOCA RATON, FL 33431 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Aug 17, 2023 |
| Property Address | 1205 BORDERS RD, SHELBY, NC 28150-9763 |
| Document Number | 0019041943 |
| Book / Page | 1904 / 1943 |
| Map Reference | MB 9 PG 50 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 200090909 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4030 WAKE FOREST RD # RD347, RD347, RALEIGH, NC 27609-0010 |
| Name | Verified Name |
|---|---|
| Address | 1026 BETHLEHEM RD, KINGS MOUNTAIN, NC 28086-8719 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 24, 2023 |
| Property Address | 1205 BORDERS RD, SHELBY, NC 28150-9763 |
| Document Number | 0018990077 |
| Book / Page | 1899 / 77 |
| Map Reference | MB 9 PG 50 |
| Instrument Date | May 19, 2023 |
| Instrument | 200087676 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $322.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 219 MORRISON ST, SHELBY, NC 28152-6637 |
| Name | Verified Name |
|---|---|
| Address | 4030 WAKE FOREST RD # 349, 349, RALEIGH, NC 27609-0010 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 16, 2018 |
| Property Address | 1205 BORDERS RD, SHELBY, NC 28150-9763 |
| Document Number | 0017671878 |
| Book / Page | 1767 / 1878 |
| Map Reference | MB 9 PG 50 |
| Instrument Date | May 3, 2018 |
| Instrument | 200013662 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $178.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 500 JOHNSFIELD RD, 500, SHELBY, NC 28150-6176 |
| Name | Verified Name |
|---|---|
| Address | 1205 BORDERS RD, SHELBY, NC 28150-9763 |
The 2026 property tax bill for 1205 Borders Rd was $1,064, up 7.6% from the year before.
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 | $1,064.00 (+7.58%) | $155,843 (-) Land $12,600 Building $143,243 | $155,843 (-) Land $12,600 Building $143,243 |
| 2025 | $989.00 | $155,843 Land $12,600 Building $143,243 | $155,843 Land $12,600 Building $143,243 |
| 2023 | $81,314 Land $6,048 Building $75,266 | $81,314 Land $6,048 Building $75,266 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1205 Borders Rd in Zone X, an area of minimal flood risk.
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 risk around 1205 Borders Rd is low, with a 0.02% annual chance of wildfire.
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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