308 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 308 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,707 sqft · built 2022
Lot Size	0.551 acres (24,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$32,000 (Jun 2021)
Tax Bill	$2,921 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43256`

Property Details

APN / Parcel Number

Primary APN	`43256`
Alternative APN	`1340116`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,707 sqft Finished Area
Upper Floors Area	569 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	24,000 sqft (0.551 acres)
Lot Dimensions	200 ft deep x 120 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1340116
Street Address	308 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	#28 RUCKER DOWNS SEC II
Legal Subdivision	RUCKER DOWNS
Legal Block	1
Legal Lot Number	61
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3009
Census Tract	950701

Owner

Source: Cleveland County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	308 BORDERS RD, SHELBY, NC 28152-0919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Deed of Trust, Mortgage · FHA Mortgage RENASANT BANK
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit HOMEBUYERS FINANCIAL LLC
Jun 11, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	2021200056411
Deed Book / Page	1843 / 214
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	308 BORDERS RD, SHELBY, NC 28152-0919
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018771918
Date	Jul 13, 2022
Book Page	1877/1918
Instrument	200075590

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	308 BORDERS RD, SHELBY, NC 28152-0919
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3292, SHELBY, NC 28151-3292
Investor	Possibly a Property Investor

Mortgage

Document Number	0018581743
Date	Nov 29, 2021
Book Page	1858/1743
Instrument	200064872

Lender

Name	HOMEBUYERS FINANCIAL LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 23, 2036

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jun 11, 2021
Property Address	308 BORDERS RD, SHELBY, NC 28152-0919
Document Number	0018430214
Book / Page	1843 / 214
Instrument Date	Jun 10, 2021
Instrument	200056411
Transaction Type	Transfer
Record Updated	Aug 31, 2023

Transaction

Amount	Amount Recorded
Tax	$64.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 776, SHELBY, NC 28151-0776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3292, SHELBY, NC 28151-3292
Investor	Possibly a Property Investor

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	$2,921.00 (+1.25%)	$290,010 (-) Land $39,960 Building $250,050	$290,010 (-) Land $39,960 Building $250,050
2025	$2,885.00	$290,010 (+35.33%) Land $39,960 Building $250,050	$290,010 (+35.33%) Land $39,960 Building $250,050
2023		$214,292 Land $35,964 Building $178,328	$214,292 Land $35,964 Building $178,328

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 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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

Cell Coverage

5G (outdoors only) and 4G LTE

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