803 Borders Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 803 Borders Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,582 sqft · built 1987
Lot Size	0.758 acres (33,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jun 2020)
Tax Bill	$2,529 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25562`

Property Details

APN / Parcel Number

Primary APN	`25562`
Alternative APN	`1331462`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,582 sqft Finished Area
Basement Area	852 sqft
Unfinished Basement	852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Roof Material	Metal
Lot Area	33,018 sqft (0.758 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1331462
Street Address	803 BORDERS RD
City	SHELBY
State	NC
Zip	28150-8194
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	#16 BUFFALO HGHTS
Legal Subdivision	BUFFALO HGHTS
Legal Block	7
Legal Lot Number	1
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1020
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	803 BORDERS RD, SHELBY, NC 28150-8194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 1, 2020	Warranty Deed, Transfer · Conventional Mortgage THE FIDELITY BANK
Oct 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2020 · Amount on Record
Deed Sale	Jun 1, 2020 · Amount on Record
Prior Sale	May 13, 2016 · Amount on Record
Deed Document Number	202039851
Deed Book / Page	1814 / 93
Prior Transfer Date	Oct 4, 2017
Prior Transfer Doc	0017520828
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	803 BORDERS RD, SHELBY, NC 28150-8194
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019100076
Date	Nov 9, 2023
Book Page	1910/76
Instrument	200094050

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jun 1, 2020
Property Address	803 BORDERS RD, SHELBY, NC 28150-8194
Document Number	0018140093
Book / Page	1814 / 93
Map Reference	MB 12 PG 69
Instrument Date	Jun 1, 2020
Instrument	200039851
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2024 BIGGERS LAKE RD, 2024, SHELBY, NC 28152-8548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 BORDERS RD, SHELBY, NC 28150-8194

Mortgage

Document Number	0000181496
Date	Jun 1, 2020
Instrument	1814/96

Lender

Name	THE FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 5, 2017
Property Address	803 BORDERS RD, SHELBY, NC 28150-8194
Document Number	0017520828
Book / Page	001752 / 000828
Instrument Date	Oct 4, 2017
Instrument	5536
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2024 BIGGERS LAKE RD SHELBY NC 281528548, SHELBY, NC 28152-8548

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	$2,529.00 (+1.53%)	$392,336 (-) Land $33,162 Building $359,174	$392,336 (-) Land $33,162 Building $359,174
2025	$2,491.00	$392,336 (+57.42%) Land $33,162 Building $359,174	$392,336 (+57.42%) Land $33,162 Building $359,174
2023		$249,224 Land $25,582 Building $223,642	$249,224 Land $25,582 Building $223,642

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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