128 Riding St, Spindale, NC 28160 Property Records

Rutherford County property record for 128 Riding St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,676 sqft · built 1983
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$62,500 (Dec 2019)
Tax Bill	$3,002 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1625412`

Property Details

APN / Parcel Number

Primary APN	`1625412`
Alternative APN	`37596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,676 sqft Heated Area
Basement Area	1,540 sqft
Unfinished Basement	1,540 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Tar & Gravel
Lot Area	32,670 sqft (0.75 acres)
Garage Area	864 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,174 sqft
Deck Area	266 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	128 RIDING ST
City	SPINDALE
State	NC
Zip	28160-5216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	GPIN:1529156460840000; LTS 45-52 RIDINGS SUBD
Legal Subdivision	SUBDIVISION OF THE J E RIDINGS FARM
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2027
Census Tract	960600

Owner

128 Riding St is owned by an individual who bought it in December 2019.

Source: Rutherford County records, as of August 29, 2025

Owner of Record	Individual Name on File
Mailing Address	120 RIDING ST, SPINDALE, NC 28160-5216
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2019 · Amount on File
Deed Sale	Dec 5, 2019 · Amount on File
Deed Book / Page	2028 / 1898
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 5, 2019
Property Address	128 RIDING ST, SPINDALE, NC 28160-5216
Document Number	0020281898
Book / Page	2028 / 1898
Instrument Date	Dec 5, 2019
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	198 INDIAN TRL, 198, FOREST CITY, NC 28043-7556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 RIDING ST, SPINDALE, NC 28160-5216

Mortgage

Document Number	0020281900
Date	Dec 5, 2019
Instrument	2028/1900

Lender

Name	CAROLINA TRUST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 128 Riding St was $3,002.

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	$3,002.00	$249,300 Land $9,600 Building $239,700	$249,300 Land $9,600 Building $239,700
2023		$249,300 Land $9,600 Building $239,700	$249,300 Land $9,600 Building $239,700
2022	$2,025.00
2021	$2,025.00

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

Flood

FEMA maps place 128 Riding St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 128 Riding St is moderate, ranking above 51% 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 51% of the US · above 72% 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.

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 26 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

May also be available: T-Mobile.

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