Cleveland County property record for 412 Borders Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 1,868 sqft · built 1993 |
| Lot Size | 2.51 acres (109,336 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $176,000 (Apr 2005) |
| Tax Bill | $2,847 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Jun 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 46628 |
| Primary APN | 46628 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,868 sqft Finished Area |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 109,336 sqft (2.51 acres) |
| Garage Type | Carport |
| Garage Area | 529 sqft |
| Carport | Carport |
| Carport Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 266 sqft |
| Deck Area | 289 sqft |
| Storage Building | 253 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1295367 |
|---|---|
| Street Address | 412 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-0920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | 2.51 AC PB49-66 RD 2047 |
| Legal Subdivision | RUCKER DOWNS |
| Legal Block | 1 |
| Legal Lot Number | 106 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 950701 |
Source: Cleveland County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 412 BORDERS RD, SHELBY, NC 28152-0920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2005 · Amount on Record |
| Deed Sale | Apr 1, 2005 · Amount on Record |
| Deed Document Number | 200549949 |
| Deed Book / Page | 1445 / 1997 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 412 BORDERS RD, SHELBY, NC 28152-0920 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0019571362 |
|---|---|
| Date | Oct 2, 2025 |
| Book Page | 1957/1362 |
| Instrument | 200119493 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 412 BORDERS RD, SHELBY, NC 28152-0920 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0019011787 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 1901/1787 |
| Instrument | 200089095 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 412 BORDERS RD, SHELBY, NC 28152-0920 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0018851418 |
|---|---|
| Date | Oct 24, 2022 |
| Book Page | 1885/1418 |
| Instrument | 200079970 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 412 BORDERS RD, SHELBY, NC 28152-0920 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Title Company | MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR I |
| Name | Verified Name |
|---|
| Document Number | 0018432795 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 1843/2795 |
| Instrument | 200056900 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 412 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Number | 0018101413 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 412 BORDERS RD SHELBY NC 281520920, SHELBY, NC 28152-0920 |
| Document Number | 0018101413 |
|---|---|
| Date | Apr 2, 2020 |
| Book Page | 001810/001413 |
| Instrument | 37861 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2040 |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Municipality | Shelby City |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,847.00 (+1.28%) | $282,514 (-) Land $35,632 Building $246,882 | $282,514 (-) Land $35,632 Building $246,882 |
| 2025 | $2,811.00 | $282,514 (+23.02%) Land $35,632 Building $246,882 | $282,514 (+23.02%) Land $35,632 Building $246,882 |
| 2023 | $229,649 Land $33,698 Building $195,951 | $229,649 Land $33,698 Building $195,951 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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 |
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