Cleveland County property record for 435 Borders Rd, Shelby, NC 28152
| Property Type | Single Family Home |
|---|---|
| Details | 3,376 sqft · built 1972 |
| Lot Size | 5.06 acres (220,631 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,629 (2025) |
| Deeds & Mortgages | Sep 2022 Sale Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 47852 |
| Primary APN | 47852 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 3,376 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Lot Area | 220,631 sqft (5.06 acres) |
| Garage Type | Mixed |
| Garage Area | 2,116 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
| Porch Area | 692 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1348886 |
|---|---|
| Street Address | 435 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-0920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | 5.065 AC RD 2047 |
| Legal Block | 1 |
| Legal Lot Number | 63C |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 950701 |
Source: Cleveland County records · APN 47852
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 | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1344, SHELBY, NC 28151-1344 |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Sep 28, 2022 | Warranty Deed, Transfer |
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Oct 24, 2022 |
| Transfer Doc | 0200079985 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Sep 28, 2022 |
| Property Address | 435 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Number | 0018831367 |
| Book / Page | 1883 / 1367 |
| Instrument Date | Sep 27, 2022 |
| Instrument | 200078876 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 BORDERS RD, 435, SHELBY, NC 28152-0920 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 776, SHELBY, NC 28151-0776 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 435 BORDERS RD, SHELBY, NC 28152-0920 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0018331769 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 1833/1769 |
| Instrument | 200051032 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
Source: Cleveland County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| 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 | $414,040 (-) Land $72,259 Building $341,781 | $414,040 (-) Land $72,259 Building $341,781 | |
| 2025 | $2,629.00 | $414,040 (+39.15%) Land $72,259 Building $341,781 | $414,040 (+39.15%) Land $72,259 Building $341,781 |
| 2023 | $297,560 Land $50,239 Building $247,321 | $297,560 Land $50,239 Building $247,321 |
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 | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
Based on FCC filings for 47 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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