514 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 514 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,214 sqft · built 2008
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jul 2020)
Tax Bill	$1,353 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60519`

Property Details

APN / Parcel Number

Primary APN	`60519`
Alternative APN	`1332371`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,214 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Metal
Lot Area	29,185 sqft (0.67 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1332371
Street Address	514 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#1PB31-179 RD 2047
Legal Subdivision	MINOR
Legal Block	1
Legal Lot Number	70
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3020
Census Tract	950701

Owner

514 Borders Rd is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	514 BORDERS RD, SHELBY, NC 28152-0921
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Prior Sale	Jul 23, 2014 · Amount on File
Deed Document Number	202041749
Deed Book / Page	1817 / 805
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jul 20, 2020
Property Address	514 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0018170805
Book / Page	001817 / 000805
Instrument Date	Jul 17, 2020
Instrument	41749
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	514 BORDERS RD SHELBY NC 281520921, SHELBY, NC 28152-0921

Mortgage

Document Number	18170808
Date	Jul 20, 2020
Book Page	001817/000808
Instrument	41750

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 514 Borders Rd was $1,353, up 3.4% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,353.00 (+3.36%)	$206,193 (-) Land $22,947 Building $183,246	$206,193 (-) Land $22,947 Building $183,246
2025	$1,309.00	$206,193 Land $22,947 Building $183,246	$206,193 Land $22,947 Building $183,246
2023		$157,686 Land $14,456 Building $143,230	$157,686 Land $14,456 Building $143,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 514 Borders Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 514 Borders Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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