Rutherford County property record for 140 West St, Spindale, NC 28160
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,049 sqft · built 1923 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $39,000 (Aug 2013) |
| Tax Bill | $676 (2022) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1207000 |
| Primary APN | 1207000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,049 sqft Heated Area |
| Gross Area | 889 sqft |
| Flooring | Carpet |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 209 sqft |
| Deck Area | 24 sqft |
| Patio Area | 96 sqft |
| Heating System | Floor/Wall Furnace |
|---|
| Account Number | 19452 |
|---|---|
| Street Address | 140 WEST ST |
| City | SPINDALE |
| State | NC |
| Zip | 28160-1352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | GPIN:1620196088110000; RES WEST ST |
| Legal Subdivision | MITCHELL CO 2 |
| Legal Block | 8 |
| Legal Lot Number | 6 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 960600 |
140 West St is owned and occupied by an individual who bought it in August 2013.
Source: Rutherford County records, as of September 13, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 140 WEST ST, SPINDALE, NC 28160-1352 |
| Occupancy | Owner Occupied |
| 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 | Aug 9, 2013 · Amount on File |
| Deed Sale | Aug 9, 2013 · Amount on File |
| Deed Document Number | 0001068512 |
| Deed Book / Page | 1068 / 512 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 140 WEST ST, SPINDALE, NC 28160-1352 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 140 WEST ST, SPINDALE, NC 28160-1352 |
| Document Number | 0020960168 |
|---|---|
| Date | Oct 9, 2025 |
| Book Page | 2096/168 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
Source: Rutherford County assessment roll, as of January 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $87,500 Land $9,500 Building $78,000 | $87,500 Land $9,500 Building $78,000 | |
| 2022 | $676.00 | ||
| 2021 | $676.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 140 West St in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 140 West St is low, with a 0.04% 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 | 0.04% 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.
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 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
May also be available: Pangaea Internet, T-Mobile.
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