400 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 400 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	2,584 sqft · built 1999
Lot Size	0.604 acres (26,310 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,797 (2026)
Flood Zone	Zone X (minimal risk)
APN	`43298`

Property Details

APN / Parcel Number

Primary APN	`43298`
Alternative APN	`1112616`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,584 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	26,310 sqft (0.604 acres)
Lot Dimensions	222 ft deep x 129 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	432 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1112616
Street Address	400 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	.604AC PT#70 RUCKER DOWNS PB17-105
Legal Subdivision	RUCKER DOWNS
Legal Block	1
Legal Lot Number	103
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3006
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	400 BORDERS RD, SHELBY, NC 28152-0920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

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	$3,797.00 (+0.85%)	$378,474 (-) Land $19,980 Building $358,494	$378,474 (-) Land $19,980 Building $358,494
2025	$3,765.00	$378,474 (+27.44%) Land $19,980 Building $358,494	$378,474 (+27.44%) Land $19,980 Building $358,494
2023		$296,991 Land $26,190 Building $270,801	$296,991 Land $26,190 Building $270,801

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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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