520 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 520 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,480 sqft · built 2009
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Jan 2012)
Tax Bill	$1,480 (2026)
Deeds & Mortgages	May 2022 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60521`

Property Details

APN / Parcel Number

Primary APN	`60521`
Alternative APN	`1199873`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,480 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	27,443 sqft (0.63 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1199873
Street Address	520 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#3 PB31-179 RD 2047
Legal Subdivision	MINOR SUBDIVISIN OF DONALD W PHIFER
Legal Block	1
Legal Lot Number	72
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3020
Census Tract	950701

Owner

520 Borders Rd is owned and occupied by two individuals who acquired it in September 2025.

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 File
Mailing Address	520 BORDERS RD, SHELBY, NC 28152-0921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 15, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Aug 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2012 · Amount on File
Deed Sale	Jan 27, 2012 · Amount on File
Prior Sale	May 4, 2011 · Amount on File
Deed Document Number	2012878
Deed Book / Page	1629 / 318
Last Transfer Date	Sep 9, 2025
Transfer Doc	0019552177
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	520 BORDERS RD, SHELBY, NC 28152-0921
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 BORDERS RD, SHELBY, NC 28152-0921

Mortgage

Document Number	0018712198
Date	May 2, 2022
Book Page	1871/2198
Instrument	200072187

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	May 1, 2062

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEVELAND NC
Recording Date	Sep 15, 2025
Property Address	520 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0019552177
Book / Page	1955 / 2177
Map Reference	MB 31 PG 179
Instrument Date	Sep 9, 2025
Instrument	200118667
Transaction Type	Transfer
Record Updated	Sep 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 BORDERS RD, SHELBY, NC 28152-0921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 BORDERS RD, SHELBY, NC 28152-0921

Mortgage

Document Number	0200118668
Date	Sep 15, 2025
Instrument	200118668

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Max Rate	1.5%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	520 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0017481496
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 BORDERS RD SHELBY NC 281520921, SHELBY, NC 28152-0921

Mortgage

Document Number	0017481496
Date	Aug 11, 2017
Book Page	001748/001496
Instrument	3636

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4%

Tax Assessment & Valuation

The 2026 property tax bill for 520 Borders Rd was $1,480, up 3% 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	$1,480.00 (+2.99%)	$226,312 (-) Land $22,207 Building $204,105	$226,312 (-) Land $22,207 Building $204,105
2025	$1,437.00	$226,312 Land $22,207 Building $204,105	$226,312 Land $22,207 Building $204,105
2023		$180,450 Land $13,990 Building $166,460	$180,450 Land $13,990 Building $166,460

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

Flood

FEMA maps place 520 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 520 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

Nearby Properties on Borders Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures