Rutherford County property record for 122 Cowan St, Spindale, NC 28160
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 894 sqft · built 1948 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $15,000 (Sep 2025) |
| Tax Bill | $965 (2025) |
| Deeds & Mortgages | Sep 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1215169 |
| Primary APN | 1215169 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 894 sqft Heated Area |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Porch | Slab |
| Porch Area | 190 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 122 COWAN ST |
|---|---|
| City | SPINDALE |
| State | NC |
| Zip | 28160-2500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | GPIN:1529129689050000; RES COWAN ST |
| Legal Subdivision | J C COWAN LANDS |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 960600 |
Source: Rutherford County records, as of September 30, 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 Record |
|---|---|
| Mailing Address | 121 COWAN ST, SPINDALE, NC 28160-2501 |
| Owner Type | Individual |
| Vesting | Married |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on Record |
| Deed Sale | Sep 16, 2025 · Amount on Record |
| Prior Sale | Oct 22, 2007 · Amount on Record |
| Prior Transfer Date | Sep 15, 2025 |
| Prior Transfer Doc | 0020951901 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Sep 16, 2025 |
| Property Address | 122 COWAN ST, SPINDALE, NC 28160-2500 |
| Document Number | 0020951901 |
| Book / Page | 2095 / 1901 |
| Map Reference | MB 1 PG 37 |
| Instrument Date | Sep 15, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $30.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 243 GRIFFIN RD, FOREST CITY, NC 28043-6136 |
| Name | Verified Name |
|---|---|
| Address | 121 COWAN ST, SPINDALE, NC 28160-2501 |
| Investor | Possibly a Property Investor |
Source: Rutherford County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Spindale Town |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $965.00 (+1,792.16%) | $63,500 (-) Land $11,000 Building $52,500 | $63,500 (-) Land $11,000 Building $52,500 |
| 2023 | $63,500 Land $11,000 Building $52,500 | $63,500 Land $11,000 Building $52,500 | |
| 2022 | $51.00 (-9%) | ||
| 2021 | $510.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| Pangaea Internet Fiber | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
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