150 West St, Spindale, NC 28160 Property Records

Rutherford County property record for 150 West St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,062 sqft · built 1928
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$163,000 (Jul 2022)
Tax Bill	$686 (2022)
Deeds & Mortgages	May 2024 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1201074`

Property Details

APN / Parcel Number

Primary APN	`1201074`
Alternative APN	`17024`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,062 sqft Heated Area
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Porch	Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	17024
Street Address	150 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:1620196078130000; RES WEST ST
Legal Block	7
Legal Lot Number	13
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1042
Census Tract	960600

Owner

Source: Rutherford County records, as of September 13, 2023

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	150 WEST ST, SPINDALE, NC 28160-1352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 14, 2022	Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK NA
Feb 15, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2022 · Amount on Record
Deed Sale	Jul 14, 2022 · Amount on Record
Prior Sale	Feb 15, 2022 · Amount on Record
Deed Document Number	0020624075
Deed Book / Page	2062 / 4075
Record Updated	Jun 7, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	150 WEST ST, SPINDALE, NC 28160-1352
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 WEST ST, SPINDALE, NC 28160-1352

Mortgage

Document Number	0020811263
Date	May 2, 2024
Book Page	2081/1263

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jul 14, 2022
Property Address	150 WEST ST, SPINDALE, NC 28160-1352
Document Number	0020624075
Book / Page	2062 / 4075
Instrument Date	Jul 13, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$326.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	159 TENNIS RANCH RD, 159, HENDERSONVILLE, NC 28791-8009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 WEST ST, SPINDALE, NC 28160-1352

Mortgage

Document Number	0020624077
Date	Jul 14, 2022
Instrument	2062/4077

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Feb 15, 2022
Property Address	150 WEST ST, SPINDALE, NC 28160-1352
Document Number	0020571302
Book / Page	2057 / 1302
Instrument Date	Feb 15, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Tax	$138.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 PARK AVE # 1, 421, WAVERLY, NY 14892-1410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 670, FLETCHER, NC 28732-0670

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

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
2023		$162,200 Land $9,000 Building $153,200	$162,200 Land $9,000 Building $153,200
2022	$686.00
2021	$686.00

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

Flood

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

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.

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 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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