161 Academy St, Spindale, NC 28160 Property Records

Rutherford County property record for 161 Academy St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,015 sqft · built 2017
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Dec 2017)
Tax Bill	$1,115 (2022)
Deeds & Mortgages	Dec 2017 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1648230`

Property Details

APN / Parcel Number

Primary APN	`1648230`
Alternative APN	`54320`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,015 sqft Heated Area

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.369 acres)
Porch	Open Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	54320
Street Address	161 ACADEMY ST
City	SPINDALE
State	NC
Zip	28160-2060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	HOPEVIEW ESTATES LO14 PL32-45
Legal Subdivision	HOPEVIEW ESTATES
Legal Block	3
Legal Lot Number	14
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	3
Census Block	3010
Census Tract	960600

Owner

161 Academy St is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	161 ACADEMY ST, SPINDALE, NC 28160-2060
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2017	Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
May 31, 2018	Deed of Trust, Mortgage RUTHERFORD CNTY HABITAT FOR HU
Dec 15, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI RUTHERFORD CNTY HABITAT/HUMANI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on File
Deed Sale	Dec 15, 2017 · Amount on File
Deed Document Number	0001164690
Deed Book / Page	1164 / 690
Record Updated	Jun 7, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	161 ACADEMY ST, SPINDALE, NC 28160-2060
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012640715
Date	Dec 15, 2017
Book Page	1264/715
Instrument	201700005574

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount on Record
Term	60 Months
Due	Dec 14, 2022

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	161 ACADEMY ST, SPINDALE, NC 28160-2060
Document Number	0020050693
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 ACADEMY ST SPINDALE NC 28160, SPINDALE, NC 28160

Mortgage

Document Number	0020050693
Date	May 31, 2018
Book Page	002005/000693

Lender

Name	RUTHERFORD CNTY HABITAT FOR HU
Address	PO BOX 1534, RUTHERFORDTON, NC 28139-1534

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 30, 2043

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 15, 2017
Property Address	161 ACADEMY ST, SPINDALE, NC 28160-2060
Document Number	0011640690
Book / Page	001164 / 000690
Instrument Date	Dec 14, 2017
Instrument	5569
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 ACADEMY ST SPINDALE NC 28160, SPINDALE, NC 28160

Mortgage

Document Number	12640688
Date	Dec 15, 2017
Book Page	001264/000688
Instrument	5570

Lender

Name	RUTHERFORD CNTY HABITAT/HUMANI
Address	PO BOX 1534, RUTHERFORDTON, NC 28139-1534

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	300 Months
Due	Dec 14, 2042

Mortgage

Document Number	12640693,
Date	Dec 15, 2017
Book Page	001264/000693
Instrument	5571

Lender

Name	RUTHERFORD CNTY HABITAT/HUMANI

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 14, 2037

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		$129,800 Land $10,000 Building $119,800	$129,800 Land $10,000 Building $119,800
2022	$1,115.00
2021	$1,115.00

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

Flood

FEMA maps place 161 Academy 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 161 Academy St is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.09% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Pangaea Internet Fiber	500 / 500
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Academy St

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