Rutherford County property record for 124 Thomas St, Rutherfordton, NC 28139
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,580 sqft · built 1975 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Oct 2023) |
| Tax Bill | $2,470 (2022) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1210563 |
| Primary APN | 1210563 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,580 sqft Heated Area |
| Flooring | Carpet |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 20422 |
|---|---|
| Street Address | 124 THOMAS ST |
| City | RUTHERFORDTON |
| State | NC |
| Zip | 28139-3221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-2 |
| Legal Description | W W PHILLIPS LO15PT16 PL7-131 |
| Legal Subdivision | W W PHILLIPS |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 960501 |
124 Thomas St is owned by an individual who bought it in October 2023.
Source: Rutherford County records, as of November 8, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 ROCK RIDGE RD, MILL SPRING, NC 28756-5513 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2023 · Amount on File |
| Deed Sale | Oct 23, 2023 · Amount on File |
| Prior Sale | Jul 19, 2016 · Amount on File |
| Deed Document Number | 0002076118 |
| Deed Book / Page | 2076 / 118 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Oct 23, 2023 |
| Property Address | 124 THOMAS ST, RUTHERFORDTON, NC 28139-3221 |
| Document Number | 0020760118 |
| Book / Page | 2076 / 118 |
| Map Reference | MB 7 PG 131 |
| Instrument Date | Oct 19, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2520 ATLANTIC PALMS LN APT 607, 607, CHARLESTON, SC 29406-9295 |
| Name | Verified Name |
|---|---|
| Address | 21 ROCK RIDGE RD, MILL SPRING, NC 28756-5513 |
| Document Number | 0002076121 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 2076/121 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Rutherfordton Town |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $329,200 Land $26,000 Building $303,200 | $329,200 Land $26,000 Building $303,200 | |
| 2022 | $2,470.00 | ||
| 2021 | $2,470.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 Thomas St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 124 Thomas St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Pangaea Internet, Verizon.
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