171 Center St, Spindale, NC 28160 Property Records

Rutherford County property record for 171 Center St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,444 sqft · built 1938
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Apr 2026)
Tax Bill	$2,763 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1202876`

Property Details

APN / Parcel Number

Primary APN	`1202876`
Alternative APN	`17786`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,444 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1966
Exterior Material	Brick
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)

Exterior Amenities

Porch	Slab
Porch Area	202 sqft
Deck Area	384 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	171 CENTER ST
City	SPINDALE
State	NC
Zip	28160-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	GPIN:1529116678940000; RES CENTER ST
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2051
Census Tract	960600

Owner

171 Center St is owned and occupied by two individuals who bought it in April 2026.

Source: Rutherford County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	171 CENTER ST, SPINDALE, NC 28160-1502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 10, 2026	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Sep 9, 2019	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on File
Deed Sale	Apr 10, 2026 · Amount on File
Prior Sale	Jul 1, 2025 · Amount on File
Deed Book / Page	2101 / 2549
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 10, 2026
Property Address	171 CENTER ST, SPINDALE, NC 28160-1502
Document Number	2101002549
Book / Page	2101 / 2549
Instrument Date	Apr 3, 2026
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55,146.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 CENTER ST, SPINDALE, NC 28160-1502

Mortgage

Document Number	2101002553,
Date	Apr 10, 2026
Book Page	2101/2553

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 9, 2019
Property Address	171 CENTER ST, SPINDALE, NC 28160-1502
Document Number	0020253740
Book / Page	002025 / 003740
Instrument Date	Sep 9, 2019
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 TEXTILE AVE SPINDALE NC 281602473, SPINDALE, NC 28160-2473

Mortgage

Document Number	20253743
Date	Sep 9, 2019
Book Page	002025/003743

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 171 Center St was $2,763.

Source: Rutherford County assessment roll, as of August 29, 2025

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
2025	$2,763.00	$227,500 Land $21,600 Building $205,900	$227,500 Land $21,600 Building $205,900
2023		$227,500 Land $21,600 Building $205,900	$227,500 Land $21,600 Building $205,900
2022	$1,963.00
2021	$1,963.00

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

Flood

FEMA maps place 171 Center 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 171 Center St is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 149 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Center St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures