121 West St, Spindale, NC 28160 Property Records

Rutherford County property record for 121 West St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 784 sqft · built 1928
Lot Size	0.61 acres (26,572 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Dec 2025)
Tax Bill	$3,917 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`1203862`

Property Details

APN / Parcel Number

Primary APN	`1203862`
Alternative APN	`18248`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft Heated Area
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1966
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,572 sqft (0.61 acres)
Porch	Enclosed Porch
Porch Area	1,330 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	18248
Street Address	121 WEST ST
City	SPINDALE
State	NC
Zip	28160-1351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HCI
Legal Description	GPIN:1620196086620000; 4 RES WEST ST
Legal Block	1
Legal Lot Number	2A
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1052
Census Tract	960600

Owner

121 West St is owned by a company that bought it in December 2025.

Source: Rutherford County records, as of January 16, 2026

Owner of Record	Company Name on File
Mailing Address	820 MAUNEY COVE RD, WAYNESVILLE, NC 28786-2533
Owner Type	Company

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
Dec 31, 2025	Warranty Deed, Transfer · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
Jul 14, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Jul 14, 2017 · Amount on File
Deed Document Number	0020982871
Deed Book / Page	2098 / 2871
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 31, 2025
Property Address	121 WEST ST, SPINDALE, NC 28160-1351
Document Number	0020982871
Book / Page	2098 / 2871
Instrument Date	Dec 30, 2025
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 WELLS ST, KINGS MOUNTAIN, NC 28086-3633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 MAUNEY COVE RD, WAYNESVILLE, NC 28786-2533

Mortgage

Document Number	0020982874
Date	Dec 31, 2025
Instrument	2098/2874

Lender

Name	INVESTOR MORTGAGE FINANCE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.55%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	7.55%
Max Rate At Change	9.55%
Index	SOFR Average 30-Day
Max Rate	7.55%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jul 14, 2017
Property Address	121 WEST ST, SPINDALE, NC 28160-1351
Document Number	0011540433
Book / Page	001154 / 000433
Instrument Date	Jul 14, 2017
Instrument	383
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$276.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2317 KINGS MOUNTAIN NC 280866317, KINGS MOUNTAIN, NC 28086-6317

Tax Assessment & Valuation

The 2025 property tax bill for 121 West St was $3,917.

Source: Rutherford County assessment roll, as of January 1, 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	$3,917.00	$258,900 Land $12,000 Building $246,900	$258,900 Land $12,000 Building $246,900
2023		$258,900 Land $12,000 Building $246,900	$258,900 Land $12,000 Building $246,900
2022	$2,046.00
2021	$2,046.00

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

Flood

FEMA maps place 121 West St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 18, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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 121 West St 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	Indirect within ember reach

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	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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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