917 Borders Rd, Shelby, NC 28150 Property Records

Cleveland County property record for 917 Borders Rd, Shelby, NC 28150

Property Summary

Property Type	Single Family Home
Details	1,587 sqft · built 1945
Lot Size	0.48 acres (20,725 sqft)
Owner	2 Individual Names on Record
Tax Bill	$336 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`25193`

Property Details

APN / Parcel Number

Primary APN	`25193`
Alternative APN	`1323046`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,587 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
Foundation Type	Footing
Lot Area	20,725 sqft (0.48 acres)
Lot Dimensions	185 ft deep x 100 ft wide
Porch	Slab
Porch Area	96 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1323046
Street Address	917 BORDERS RD
City	SHELBY
State	NC
Zip	28150-9762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	BORDERS RD #2047 LIFE EST
Legal Block	4
Legal Lot Number	2
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1014
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	917 BORDERS RD, SHELBY, NC 28150-9762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2018	Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Jul 23, 2018	Loan Modification, Mortgage · Conventional Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND NC
Property Address	917 BORDERS RD, SHELBY, NC 28150-9762
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017611978
Date	Feb 27, 2018
Book Page	1761/1978
Instrument	200010618

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount Recorded

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND NC
Property Address	917 BORDERS RD, SHELBY, NC 28150-9762
Document Number	0017730102
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 BORDERS RD SHELBY NC 281509762, SHELBY, NC 28150-9762

Mortgage

Document Number	0017730102
Date	Jul 31, 2018
Book Page	001773/000102
Instrument	16388

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$336.00 (+30.74%)	$40,582 (-) Land $18,400 Building $22,182	$40,582 (-) Land $18,400 Building $22,182
2025	$257.00	$40,582 (+44.31%) Land $18,400 Building $22,182	$40,582 (+44.31%) Land $18,400 Building $22,182
2023		$28,121 Land $8,832 Building $19,289	$28,121 Land $8,832 Building $19,289

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 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

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