120 Spinner St, Spindale, NC 28160 Property Records

Rutherford County property record for 120 Spinner St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,172 sqft · built 1931
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on File
Last Sale	$83,000 (Dec 2019)
Tax Bill	$1,775 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1201159`

Property Details

APN / Parcel Number

Primary APN	`1201159`
Alternative APN	`17064`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,172 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)
Garage Area	304 sqft
Porch	Slab
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	120 SPINNER ST
City	SPINDALE
State	NC
Zip	28160-5400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GC
Legal Description	GROSE LO:44 - 49 PL:3-50
Legal Subdivision	J E GROSE SUBDIVISION
Legal Lot Number	44,49
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2037
Census Tract	960600

Owner

Source: Rutherford County assessment roll, as of August 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	120 SPINNER ST, SPINDALE, NC 28160-5400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Line of Credit IIC FEDERAL CREDIT UNION
Mar 4, 2021	Deed of Trust, Mortgage · Unknown LOCAL GOVERNMENT FCU
May 11, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Dec 9, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
May 22, 2019	Loan Modification, Mortgage · FHA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Prior Sale	May 18, 2007 · Amount on Record
Deed Book / Page	2028 / 2166
Prior Transfer Date	Feb 26, 2013
Prior Transfer Doc	0010590801
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	May 8, 2026
Property Address	120 SPINNER ST, SPINDALE, NC 28160-5400
Document Number	2102002443
Book / Page	2102 / 2443
Instrument Date	May 4, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 SPINNER ST, SPINDALE, NC 28160-5400

Mortgage

Document Number	2102002443,
Date	May 8, 2026
Book Page	2102/2443

Lender

Name	IIC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	120 SPINNER ST, SPINDALE, NC 28160-5400
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020431999
Date	Mar 4, 2021
Book Page	2043/1999

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Unknown
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	9.87%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	120 SPINNER ST, SPINDALE, NC 28160-5400
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020603063
Date	May 11, 2022
Book Page	2060/3063

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RUTHERFORDTON, NC 28139

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 9, 2019
Property Address	120 SPINNER ST, SPINDALE, NC 28160-5400
Document Number	0020282166
Book / Page	002028 / 002166
Instrument Date	Dec 9, 2019
Instrument	6032
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 SPINNER ST SPINDALE NC 281605400, SPINDALE, NC 28160-5400

Mortgage

Document Number	20282169
Date	Dec 9, 2019
Book Page	002028/002169
Instrument	6033

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RUTHERFORD NC
Property Address	120 SPINNER ST, SPINDALE, NC 28160-5400
Document Number	0020224682
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 SPINNER ST SPINDALE NC 281605400, SPINDALE, NC 28160-5400

Mortgage

Document Number	0020224682
Date	Jun 6, 2019
Book Page	002022/004682
Instrument	11303

Lender

Name	BANK OF AMERICA
Type	Bank
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2049

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,775.00 (+57.5%)	$137,400 (-) Land $10,000 Building $127,400	$137,400 (-) Land $10,000 Building $127,400
2023		$137,400 Land $10,000 Building $127,400	$137,400 Land $10,000 Building $127,400
2022	$1,127.00
2021	$1,127.00

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 April 18, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BROAD RIVER WATER AUTHORITY serves 19,136 people · EPA ID NC0181035
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
e-Polk Fiber	500 / 500
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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