166 Florida Ave, Spindale, NC 28160 Property Records

Rutherford County property record for 166 Florida Ave, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1922
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Apr 2020)
Tax Bill	$967 (2022)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1205537`

Property Details

APN / Parcel Number

Primary APN	`1205537`
Alternative APN	`19122`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Heated Area
Flooring	Carpet
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Porch	Open Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	19122
Street Address	166 FLORIDA AVE
City	SPINDALE
State	NC
Zip	28160-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GPIN:1529088765150000; RES FLORIDA AVE
Legal Subdivision	J C COWAN
Legal Block	3
Legal Lot Number	3
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	3
Census Block	3038
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	166 FLORIDA AVE, SPINDALE, NC 28160-2508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2020 · Amount on Record
Deed Sale	Apr 16, 2020 · Amount on Record
Prior Sale	Feb 4, 2013 · Amount on Record
Deed Document Number	0002032350
Deed Book / Page	2032 / 350
Record Updated	Jun 7, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 16, 2020
Property Address	166 FLORIDA AVE, SPINDALE, NC 28160-2508
Document Number	0020320350
Book / Page	2032 / 350
Map Reference	MB A PG 50
Instrument Date	Apr 16, 2020
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1515 LAKE HOUSER RD, 1515, MOORESBORO, NC 28114-8706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 FLORIDA AVE, SPINDALE, NC 28160-2508

Mortgage

Document Number	0002032352
Date	Apr 16, 2020
Instrument	2032/352

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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		$127,900 Land $10,000 Building $117,900	$127,900 Land $10,000 Building $117,900
2022	$967.00
2021	$967.00

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

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

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

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 217 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
Verizon Fixed Wireless	300 / 20