526 Borders Rd, Shelby, NC 28152 Property Records

Cleveland County property record for 526 Borders Rd, Shelby, NC 28152

Property Summary

Property Type	Single Family Home
Details	1,558 sqft · built 2022
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2026)
Tax Bill	$2,220 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`21932`

Property Details

APN / Parcel Number

Primary APN	`21932`
Alternative APNs	`1240012` `1355190`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,558 sqft Finished Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	33,977 sqft (0.78 acres)
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1355190
Street Address	526 BORDERS RD
City	SHELBY
State	NC
Zip	28152-0921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	0.78AC LOT#5 PB31-179
Legal Subdivision	DONALD W PHIFER
Legal Block	1
Legal Lot Number	5
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3020
Census Tract	950701

Owner

Source: Cleveland County records, as of August 18, 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	526 BORDERS RD, SHELBY, NC 28152-0921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Mar 9, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Mar 9, 2023 · Amount on Record
Deed Document Number	2026200130395
Deed Book / Page	1978 / 618
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jun 30, 2026
Property Address	526 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0200130395
Book / Page	1978 / 618
Instrument Date	Jun 22, 2026
Instrument	2026200130395
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$71,710.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 BORDERS RD, SHELBY, NC 28152-0921

Mortgage

Document Number	0200130396,
Date	Jun 30, 2026
Instrument	2026200130396

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Mar 9, 2023
Property Address	526 BORDERS RD, SHELBY, NC 28152-0921
Document Number	0018932518
Book / Page	1893 / 2518
Map Reference	MB 31 PG 179
Instrument Date	Mar 9, 2023
Instrument	200084758
Transaction Type	Transfer
Record Updated	Aug 31, 2023

Transaction

Amount	Amount Recorded
Tax	$730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 COUNTRY CLUB ACRES, KINGS MOUNTAIN, NC 28086-4611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 BORDERS RD, SHELBY, NC 28152-0921

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		$349,611 (-) Land $23,595 Building $326,016	$349,611 (-) Land $23,595 Building $326,016
2025	$2,220.00	$349,611 (+47.51%) Land $23,595 Building $326,016	$349,611 (+47.51%) Land $23,595 Building $326,016
2023		$237,015 Land $14,864 Building $222,151	$237,015 Land $14,864 Building $222,151

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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