Cleveland County property record for 810 Borders Rd, Shelby, NC 28150
| Property Type | Other Improved |
|---|---|
| Details | 1,394 sqft · built 1983 |
| Lot Size | 0.604 acres (26,351 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $515,000 (Mar 2023) |
| Tax Bill | $3,106 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25506 |
| Primary APN | 25506 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,394 sqft Total Area |
| Basement Area | 1,383 sqft |
| Finished Basement | 794 sqft |
| Unfinished Basement | 589 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 26,351 sqft (0.604 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 180 sqft |
| Canopy | 16 sqft |
| Gazebo | Gazebo |
| Boat Access | Boat Access |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1355433 |
|---|---|
| Street Address | 810 BORDERS RD |
| City | SHELBY |
| State | NC |
| Zip | 28150-8194 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | AA1 |
| Legal Description | #10 MAP 3 BUFFALO HGTS PB12-69 |
| Legal Subdivision | BUFFALO HGTS |
| Legal Block | 5 |
| Legal Lot Number | 46 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 950701 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 355 WHITE JENKINS RD, BESSEMER CITY, NC 28016-7753 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2023 | Warranty Deed, Transfer |
| Mar 3, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Aug 27, 2021 | Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2023 · Amount on Record |
| Deed Sale | Mar 30, 2023 · Amount on Record |
| Prior Sale | Mar 3, 2022 · Amount on Record |
| Deed Document Number | 2023200085588 |
| Deed Book / Page | 1895 / 963 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 30, 2023 |
| Property Address | 810 BORDERS RD, SHELBY, NC 28150-8194 |
| Document Number | 0018950963 |
| Book / Page | 1895 / 963 |
| Map Reference | MB 12 PG 69 |
| Instrument Date | Mar 30, 2023 |
| Instrument | 200085588 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 355 WHITE JENKINS RD, BESSEMER CITY, NC 28016-7753 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | Mar 3, 2022 |
| Property Address | 810 BORDERS RD, SHELBY, NC 28150-8194 |
| Document Number | 0018661230 |
| Book / Page | 1866 / 1230 |
| Map Reference | MB 12 PG 69 |
| Instrument Date | Mar 3, 2022 |
| Instrument | 200069283 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1710 COUNTRY GARDEN DR, 1710, SHELBY, NC 28150-6162 |
| Name | Verified Name |
|---|---|
| Address | 810 BORDERS RD, SHELBY, NC 28150-8194 |
| Document Number | 0018661233 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 1866/1233 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 810 BORDERS RD, SHELBY, NC 28150-8194 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 810 BORDERS RD, SHELBY, NC 28150-8194 |
| Document Number | 0018500357 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 1850/357 |
| Instrument | 200060329 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $489,220 (-) Land $180,000 Building $309,220 | $489,220 (-) Land $180,000 Building $309,220 | |
| 2025 | $3,106.00 | $489,220 (+67.71%) Land $180,000 Building $309,220 | $489,220 (+67.71%) Land $180,000 Building $309,220 |
| 2023 | $291,714 Land $152,000 Building $139,714 | $291,714 Land $152,000 Building $139,714 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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