523 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 523 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,197 sqft · built 1970
Lot Size	1.39 acres (60,679 sqft)
Owner	2 Individual Names on Record
Tax Bill	$138 (2026)
Deeds & Mortgages	Aug 2026 Sale Dec 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21907`

Property Details

APN / Parcel Number

Primary APN	`21907`
Alternative APN	`18763051`

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1991
Lot Area	60,679 sqft (1.39 acres)
Garage Type	Carport
Carport	Carport
Storage Building	Storage Building

Location & Zoning

Account Number	18763051
Street Address	523 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	1.393 AC RD 2047
Legal Subdivision	BOBBIE A ROBERTS
Legal Block	1
Legal Lot Number	6
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3001
Census Tract	950701

Owner

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	2 Individual Names on Record
Mailing Address	523 BORDERS RD, SHELBY, NC 28152-0921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 29, 2025	Warranty Deed, Transfer
Apr 1, 2019	Deed of Trust, Mortgage HOMETRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 14, 2026
Transfer Doc	0200132377
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 14, 2026
Property Address	523 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0200132377
Book / Page	1982 / 55
Instrument Date	Aug 14, 2026
Instrument	2026200132377
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 BORDERS RD, SHELBY, NC 28152-0921

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 29, 2025
Property Address	523 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0019640206
Book / Page	1964 / 206
Map Reference	MB 52 PG 24
Instrument Date	Dec 23, 2025
Instrument	200122911
Transaction Type	Transfer
Record Updated	Jan 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 ELIZABETH AVE, SHELBY, NC 28150-9788

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	523 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0017890249
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	525 BORDERS RD SHELBY NC 281520921, SHELBY, NC 28152-0921

Mortgage

Document Number	0017890249
Date	Apr 2, 2019
Book Page	001789/000249
Instrument	24707

Lender

Name	HOMETRUST BK
Type	Bank
Address	ASHEVILLE, NC 28802-0010

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

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	$138.00 (-41.53%)	$21,870 (-41.16%) Land $21,870	$21,870 (-41.16%) Land $21,870
2025	$236.00	$37,170 (+43.24%) Land $31,130 Building $6,040	$37,170 (+43.24%) Land $31,130 Building $6,040
2023		$25,949 Land $19,909 Building $6,040	$25,949 Land $19,909 Building $6,040

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

Flood

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

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

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