201 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 201 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	896 sqft · built 1944
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Last Sale	$79,500 (May 2020)
Tax Bill	$1,232 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22285`

Property Details

APN / Parcel Number

Primary APN	`22285`
Alternative APN	`1330681`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	896 sqft Finished Area

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Lot Area	98,010 sqft (2.25 acres)
Lot Dimensions	410 ft deep x 240 ft wide
Porch	Slab
Porch Area	222 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1330681
Street Address	201 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	2.25AC ROBERTS SD
Legal Subdivision	ROBERTS SD
Legal Block	1
Legal Lot Number	16
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3008
Census Tract	950701

Owner

Source: Cleveland County records · APN 22285

Assessment roll updated September 30, 2025 · Last verified August 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 File
Mailing Address	201 BORDERS RD, SHELBY, NC 28152-0918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2020 · Amount on Record
Deed Sale	May 01, 2020 · Amount on Record
Deed Document Number	202038797
Deed Book / Page	1812 / 740
Record Updated	Sep 20, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	May 01, 2020
Property Address	201 BORDERS RD, SHELBY, NC 28152-0918
Document Number	0018120740
Book / Page	1812 / 740
Map Reference	MB 5 PG 49
Instrument Date	May 01, 2020
Instrument	200038797
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
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	201 BORDERS RD, SHELBY, NC 28152-0918

Mortgage

Document Number	18120743
Date	May 01, 2020
Instrument	1812/0743

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 01, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,835 (-) Land $43,560 Building $80,275	$123,835 (-) Land $43,560 Building $80,275
2025	$1,232.00	$123,835 (+66.4%) Land $43,560 Building $80,275	$123,835 (+66.4%) Land $43,560 Building $80,275
2023		$74,421 Land $39,204 Building $35,217	$74,421 Land $39,204 Building $35,217

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 5, 2020 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 100 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLEVELAND COUNTY WATER serves 59,395 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.