Cleveland County property record for 302 Borders Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,693 sqft · built 1988 |
| Lot Size | 0.539 acres (23,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,522 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jan 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 41214 |
| Primary APN | 41214 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,693 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Roof Material | Metal |
| Lot Area | 23,500 sqft (0.539 acres) |
| Lot Dimensions | 235 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 441 sqft |
| Carport | Carport |
| Carport Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 115 sqft |
| Storage Building | 117 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1323216 |
|---|---|
| Street Address | 302 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-0919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | #25 RUCKER DOWNS |
| Legal Subdivision | RUCKER DOWNS |
| Legal Block | 1 |
| Legal Lot Number | 57 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 950701 |
Source: Cleveland County records · APN 41214
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 | 302 BORDERS RD, SHELBY, NC 28152-0919 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 18, 2022 | Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK |
| Jan 11, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jan 10, 2019 |
| Transfer Doc | 0017832022 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 302 BORDERS RD, SHELBY, NC 28152-0919 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 302 BORDERS RD, SHELBY, NC 28152-0919 |
| Document Number | 0018772879 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 1877/2879 |
| Instrument | 200075777 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jan 11, 2019 |
| Property Address | 302 BORDERS RD, SHELBY, NC 28152-0919 |
| Document Number | 0017832022 |
| Book / Page | 001783 / 002022 |
| Instrument Date | Jan 10, 2019 |
| Instrument | 21968 |
| Transaction Type | Transfer |
| Record Updated | Feb 04, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 302 BORDERS RD SHELBY NC 281520919, SHELBY, NC 28152-0919 |
Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
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 | $253,543 (-) Land $16,950 Building $236,593 | $253,543 (-) Land $16,950 Building $236,593 | |
| 2025 | $2,522.00 | $253,543 (+50.44%) Land $16,950 Building $236,593 | $253,543 (+50.44%) Land $16,950 Building $236,593 |
| 2023 | $168,533 Land $15,255 Building $153,278 | $168,533 Land $15,255 Building $153,278 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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.
5G (outdoors only) and 4G LTE
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 |
| 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.
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