Cleveland County property record for 445 Borders Rd, Shelby, NC 28152 · Last verified August 2026
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2,377 sqft · built 1970 |
| Lot Size | 13.3 acres (583,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Jul 2024) |
| Tax Bill | $800 (2025) |
| Deeds & Mortgages | Jul 2024 Sale Jun 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 59179 |
| Primary APN | 59179 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,377 sqft Finished Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Concrete Block |
| Roof Type | Shed Roof |
| Lot Area | 583,356 sqft (13.3 acres) |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1364241 |
|---|---|
| Street Address | 445 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28152-0920 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | 13.392AC RD2047 TRACT #3 PB49-62 |
| Legal Tract | 3 |
| Legal Block | 1 |
| Legal Lot Number | 68 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 950701 |
Source: Cleveland County records · APN 59179
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 | 513 BORDERS RD, SHELBY, NC 28152-0921 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 03, 2024 | Warranty Deed, Transfer |
| Jun 17, 2024 | Warranty Deed, Transfer · Commercial Mortgage THE PHILLIP RAY RUCKER TRUST |
| Jan 25, 2024 | Warranty Deed, Transfer |
| Dec 09, 2022 | Intrafamily Transfer, Transfer |
| Sep 28, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 03, 2024 · Amount on Record |
| Deed Sale | Jul 03, 2024 · Amount on Record |
| Prior Sale | Jun 17, 2024 · Amount on Record |
| Deed Document Number | 2024200102161 |
| Deed Book / Page | 1924 / 1567 |
| Prior Transfer Date | Nov 21, 2022 |
| Prior Transfer Doc | 0018881494 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jul 03, 2024 |
| Property Address | 445 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Number | 0019241567 |
| Book / Page | 1924 / 1567 |
| Instrument Date | Jul 02, 2024 |
| Instrument | 200102161 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2684, SHELBY, NC 28151-2684 |
| Name | Verified Name |
|---|---|
| Address | 513 BORDERS RD, SHELBY, NC 28152-0921 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jun 17, 2024 |
| Property Address | 445 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Number | 0019230783 |
| Book / Page | 1923 / 783 |
| Map Reference | MB 49 PG 62 |
| Instrument Date | Jun 13, 2024 |
| Instrument | 200101483 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2684, SHELBY, NC 28151-2684 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1344, SHELBY, NC 28151-1344 |
| Document Number | 0200101484 |
|---|---|
| Date | Jun 17, 2024 |
| Instrument | 200101484 |
| Name | THE PHILLIP RAY RUCKER TRUST |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 17, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Jan 25, 2024 |
| Property Address | 445 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Number | 0019140279 |
| Book / Page | 1914 / 279 |
| Instrument Date | Jan 25, 2024 |
| Instrument | 200096453 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,454.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 909 GREENTREE DR, CHARLOTTE, NC 28211-2733 |
| Investor | Possibly a Property Investor |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Dec 09, 2022 |
| Property Address | 445 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Number | 0018881494 |
| Book / Page | 1888 / 1494 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 200081665 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Sep 28, 2022 |
| Property Address | 445 BORDERS RD, SHELBY, NC 28152-0920 |
| Document Number | 0018831364 |
| Book / Page | 1883 / 1364 |
| Instrument Date | Sep 27, 2022 |
| Instrument | 200078875 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $30.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 776, SHELBY, NC 28151-0776 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | PO BOX 1344, SHELBY, NC 28151-1344 |
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 | $126,089 (-) Land $126,089 | $126,089 (-) Land $126,089 | |
| 2025 | $800.00 | $126,089 (-33.35%) Land $126,089 | $126,089 (-33.35%) Land $126,089 |
| 2023 | $189,172 Land $152,237 Building $36,935 | $189,172 Land $152,237 Building $36,935 |
Source: FEMA National Flood Hazard Layer, Cleveland County (37045C), updated March 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 44% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,667 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 47 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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