121 Winder St, Spindale, NC 28160 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,268 sqft · built 1927
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (May 2022)
Tax Bill	$982 (2022)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`1203575`

Property Details

APN / Parcel Number

Primary APN	`1203575`
Alternative APN	`18055`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,268 sqft Heated Area
Flooring	Carpet
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1966
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	11,326 sqft (0.26 acres)
Porch	Enclosed Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	18055
Street Address	121 WINDER ST
City	SPINDALE
State	NC
Zip	28160-4007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	JJ BURGE LO108TO111 PL4-86
Legal Subdivision	JJ BURGE SUB
Legal Block	7
Legal Lot Number	108,111
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2055
Census Tract	960600

Owner

Source: Rutherford County records, as of September 13, 2023

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

Owner of Record	Individual Name on Record
Mailing Address	121 WINDER ST, SPINDALE, NC 28160-4007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
May 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2022 · Amount on Record
Deed Sale	May 20, 2022 · Amount on Record
Prior Sale	May 2, 2018 · Amount on Record
Deed Document Number	0020604979
Deed Book / Page	2060 / 4979
Record Updated	Jun 7, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 20, 2022
Property Address	121 WINDER ST, SPINDALE, NC 28160-4007
Document Number	0020604979
Book / Page	2060 / 4979
Map Reference	MB 4 PG 86
Instrument Date	May 20, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 CRESTVIEW ST, 136, RUTHERFORDTON, NC 28139-3110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 WINDER ST, SPINDALE, NC 28160-4007

Mortgage

Document Number	0020604982
Date	May 20, 2022
Instrument	2060/4982

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jun 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 2, 2018
Property Address	121 WINDER ST, SPINDALE, NC 28160-4007
Document Number	0020010421
Book / Page	002001 / 000421
Instrument Date	Apr 30, 2018
Transaction Type	Transfer
Record Updated	Jul 6, 2018

Transaction

Amount	Amount Recorded
Tax	$90.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 WINDER ST SPINDALE NC 281604007, SPINDALE, NC 28160-4007

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

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
2023		$108,700 Land $10,000 Building $98,700	$108,700 Land $10,000 Building $98,700
2022	$982.00
2021	$982.00

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	0.01% annual chance
Exposure	None beyond 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 219 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Pangaea Internet, T-Mobile.

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