166 Pleasant St, Spindale, NC 28160 Property Records

Rutherford County property record for 166 Pleasant St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,460 sqft · built 1942
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jun 2023)
Tax Bill	$2,315 (2022)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1209110`

Property Details

APN / Parcel Number

Primary APN	`1209110`
Alternative APN	`20030`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,460 sqft Heated Area
Gross Area	3,700 sqft
Basement Area	1,240 sqft
Finished Basement	310 sqft
Unfinished Basement	930 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1966
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.289 acres)
Garage Area	228 sqft

Exterior Amenities

Porch	Glass Porch
Porch Area	158 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air

Location & Zoning

Account Number	20030
Street Address	166 PLEASANT ST
City	SPINDALE
State	NC
Zip	28160-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	GPIN:1529117608230000; RES PLEASANT ST
Legal Subdivision	PROFESSIONAL SURVEYING SVCS SU
Legal Block	4
Legal Lot Number	10
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2051
Census Tract	960600

Owner

166 Pleasant St is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	166 PLEASANT ST, SPINDALE, NC 28160-1816
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
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Deed Document Number	0002073684
Deed Book / Page	2073 / 684
Record Updated	Jun 7, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 30, 2023
Property Address	166 PLEASANT ST, SPINDALE, NC 28160-1816
Document Number	0020730684
Book / Page	2073 / 684
Instrument Date	Jun 26, 2023
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 CIRCLE DR, FAIRMOUNT, IN 46928-1964

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	166 PLEASANT ST, SPINDALE, NC 28160-1816

Mortgage

Document Number	0002073687
Date	Jun 30, 2023
Instrument	2073/687

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.45%
Max Rate At Change	7.45%
Index	5-Year TN
Margin	2
Max Rate	11.4%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	166 PLEASANT ST, SPINDALE, NC 28160-1816
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020410806
Date	Jan 7, 2021
Book Page	2041/806

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2041

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		$267,600 (+55.94%) Land $17,100 Building $250,500	$267,600 (+55.94%) Land $17,100 Building $250,500
2022	$2,315.00	$171,600 Land $17,100 Building $154,500	$171,600 Land $17,100 Building $154,500
2021	$2,315.00

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

Flood

FEMA maps place 166 Pleasant 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 166 Pleasant 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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