1125 Centennial Rd, Union Mills, NC 28167 Property Records

Rutherford County property record for 1125 Centennial Rd, Union Mills, NC 28167 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,522 sqft · built 2006
Lot Size	4.28 acres (186,437 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,787 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1638976`

Property Details

APN / Parcel Number

Primary APN	`1638976`
Alternative APN	`47030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,522 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	186,437 sqft (4.28 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	392 sqft
Deck Area	Deck Area
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	1125 CENTENNIAL RD
City	UNION MILLS
State	NC
Zip	28167-9793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUFFEY LO:5 PL:26-155
Legal Subdivision	CONTAINING 4
Legal Lot Number	5
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CAMP CREEK
Census Block Group	2
Census Block	2025
Census Tract	960102

Owner

Source: Rutherford County records · APN 1638976

Assessment roll updated August 29, 2025 · Last verified April 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 File
Mailing Address	1125 CENTENNIAL RD, UNION MILLS, NC 28167-9793
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Warranty Deed, Transfer · VA Mortgage CHANGE LENDING LLC
Apr 07, 2017	Deed of Trust, Mortgage · Conventional Mortgage CUNNINGHAM & CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 09, 2026
Deed Sale	Feb 09, 2026
Prior Sale	Oct 17, 2022 · Amount on Record
Deed Document Number	2026
Deed Book / Page	2099 / 2724
Prior Transfer Date	Feb 03, 2026
Prior Transfer Doc	0020992724
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 17, 2022
Property Address	1125 CENTENNIAL RD, UNION MILLS, NC 28167-9793
Document Number	0020654718
Book / Page	2065 / 4718
Map Reference	MB 26 PG 155
Instrument Date	Oct 14, 2022
Transaction Type	Transfer
Record Updated	Nov 08, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 AUGUSTA DR, 136, SPINDALE, NC 28160-1584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 CENTENNIAL RD, UNION MILLS, NC 28167-9793

Mortgage

Document Number	0020654721
Date	Oct 17, 2022
Instrument	2065/4721

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	1125 CENTENNIAL RD, UNION MILLS, NC 28167-9793
Document Number	0012460073
Book / Page	001246 / 000073
Instrument Date	Apr 07, 2017
Transaction Type	Mortgage
Record Updated	May 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1125 CENTENNIAL RD UNION MILLS NC 281679793, UNION MILLS, NC 28167-9793

Mortgage

Document Number	0012460073
Date	Apr 12, 2017
Book Page	001246/000073
Instrument	9722

Lender

Name	CUNNINGHAM & CO
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2047

Tax Assessment & Valuation

Source: Rutherford County records · Assessment roll updated August 29, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,787.00 (+56.66%)	$460,800 (-) Land $56,300 Building $404,500	$460,800 (-) Land $56,300 Building $404,500
2023		$460,800 Land $56,300 Building $404,500	$460,800 Land $56,300 Building $404,500
2022	$1,779.00
2021	$1,779.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rutherford County (37161C), updated April 18, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 82% of North Carolina
Wildfire Likelihood	About 1 in 565 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 10 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Skyrunner	Fixed Wireless (unlicensed)	25 / 10
North Carolina RSA 3 Cellular Telephone Company	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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