915 Borders Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 915 Borders Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	2,434 sqft · built 1958
Lot Size	0.544 acres (23,700 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Oct 2022)
Tax Bill	$1,921 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25194`

Property Details

APN / Parcel Number

Primary APN	`25194`
Alternative APNs	`1343939` `1352096`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,434 sqft Finished Area
Basement Area	1,340 sqft
Finished Basement	670 sqft
Unfinished Basement	670 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	23,700 sqft (0.544 acres)
Lot Dimensions	158 ft deep x 150 ft wide
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1352096
Street Address	915 BORDERS RD
City	SHELBY
State	NC
Zip	28150-9762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	LOT BORDERS RD
Legal Subdivision	G L GRESHAM & F P GRESHAM
Legal Block	4
Legal Lot Number	3
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1014
Census Tract	950701

Owner

915 Borders Rd is owned and occupied by two individuals who bought it in October 2022.

Source: Cleveland County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	915 BORDERS RD, SHELBY, NC 28150-9762
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 15, 2021	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Sep 22, 2021	Warranty Deed, Transfer · Commercial Mortgage QUANTA FINANCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2022 · Amount on File
Deed Sale	Oct 27, 2022 · Amount on File
Prior Sale	Dec 15, 2021 · Amount on File
Deed Document Number	2022200080109
Deed Book / Page	1885 / 2239
Prior Transfer Date	Nov 4, 2013
Prior Transfer Doc	0016672447
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Oct 27, 2022
Property Address	915 BORDERS RD, SHELBY, NC 28150-9762
Document Number	0018852239
Book / Page	1885 / 2239
Instrument Date	Oct 27, 2022
Instrument	200080109
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 VILLAGE COURT, 103, GASTONIA, NC 28054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 BORDERS RD, SHELBY, NC 28150-9762

Mortgage

Document Number	0018852242
Date	Oct 27, 2022
Instrument	1885/2242

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Dec 15, 2021
Property Address	915 BORDERS RD, SHELBY, NC 28150-9762
Document Number	0018600892
Book / Page	1860 / 892
Instrument Date	Dec 13, 2021
Instrument	200065801
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11541 N COMMUNITY HOUSE RD # 250, 11541, CHARLOTTE, NC 28277-1574

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 VILLAGE CT, GASTONIA, NC 28054-6636

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Sep 22, 2021
Property Address	915 BORDERS RD, SHELBY, NC 28150-9762
Document Number	0018521221
Book / Page	1852 / 1221
Instrument Date	Sep 15, 2021
Instrument	200061545
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$565.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	908 SUNING DR, 908, SHELBY, NC 28152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11600 N COMMUNITY HOUSE RD STE 150, 150, CHARLOTTE, NC 28277-1812

Mortgage

Document Number	0018521245
Date	Sep 22, 2021
Instrument	1852/1245

Lender

Name	QUANTA FINANCE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 915 Borders Rd was $1,921, up 3.8% 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	$1,921.00 (+3.84%)	$291,485 (-) Land $19,312 Building $272,173	$291,485 (-) Land $19,312 Building $272,173
2025	$1,850.00	$291,485 Land $19,312 Building $272,173	$291,485 Land $19,312 Building $272,173
2023		$169,850 Land $9,270 Building $160,580	$169,850 Land $9,270 Building $160,580

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 915 Borders Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 915 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 80% of the US · lower than 76% 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 136 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

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