137 Center St, Spindale, NC 28160 Property Records

Rutherford County property record for 137 Center St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,533 sqft · built 1946
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$27,000 (Jan 2025)
Tax Bill	$2,237 (2025)
Deeds & Mortgages	Feb 2024 Sale Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1210074`

Property Details

APN / Parcel Number

Primary APN	`1210074`
Alternative APN	`20292`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,533 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Exterior Amenities

Porch	Patio
Porch Area	423 sqft
Deck Area	16 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	137 CENTER ST
City	SPINDALE
State	NC
Zip	28160-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LO:14&15 BL:B PL:2-14
Legal Subdivision	LANDS OF RUTHERFORD INVESTMENT COMPANY
Legal Lot Number	14,15
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2003
Census Tract	960600

Owner

137 Center St is owned and occupied by two individuals who bought it in January 2025.

Source: Rutherford County records, as of September 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	137 CENTER ST, SPINDALE, NC 28160-1502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 26, 2024	Warranty Deed, Transfer
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 26, 2018	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 26, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2025 · Amount on File
Deed Sale	Jan 29, 2025 · Amount on File
Prior Sale	Feb 26, 2024 · Amount on File
Prior Transfer Date	Oct 26, 2017
Prior Transfer Doc	0011610425
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Feb 26, 2024
Property Address	137 CENTER ST, SPINDALE, NC 28160-1502
Document Number	0020791556
Book / Page	2079 / 1556
Map Reference	MB 251 PG 521
Instrument Date	Feb 26, 2024
Transaction Type	Transfer
Record Updated	Apr 4, 2024

Transaction

Amount	Amount on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 CENTER ST, SPINDALE, NC 28160-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 85TH ST # A, A, VIRGINIA BEACH, VA 23451-1815

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	137 CENTER ST, SPINDALE, NC 28160-1502
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020402281
Date	Dec 15, 2020
Book Page	2040/2281

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	137 CENTER ST, SPINDALE, NC 28160-1502
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020174395
Date	Nov 26, 2018
Book Page	2017/4395
Instrument	201820174395

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28278

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	137 CENTER ST, SPINDALE, NC 28160-1502
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020640646
Date	Aug 22, 2022
Book Page	2064/646

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 26, 2017
Property Address	137 CENTER ST, SPINDALE, NC 28160-1502
Document Number	0011610425
Book / Page	1161 / 425
Instrument Date	Oct 26, 2017
Instrument	201700003915
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	172 CENTER ST, 172, SPINDALE, NC 28160-1503

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	137 CENTER ST, SPINDALE, NC 28160-1502

Tax Assessment & Valuation

The 2025 property tax bill for 137 Center St was $2,237.

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	$2,237.00	$179,500 Land $16,200 Building $163,300	$179,500 Land $16,200 Building $163,300
2023		$178,200 Land $16,200 Building $162,000	$178,200 Land $16,200 Building $162,000
2022	$1,591.00
2021	$1,591.00

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

Flood

FEMA maps place 137 Center 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 137 Center 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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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