178 Elm St, Spindale, NC 28160 Property Records

Rutherford County property record for 178 Elm St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 796 sqft · built 1928
Lot Size	0.17 acres (7,405 sqft)
Owner	Trust Name on File
Tax Bill	$1,035 (2025)
Flood Zone	Zone X (minimal risk)
APN	`1210775`

Property Details

APN / Parcel Number

Primary APN	`1210775`
Alternative APN	`20468`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	796 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	7,405 sqft (0.17 acres)
Porch	Patio
Porch Area	176 sqft

Location & Zoning

Street Address	178 ELM ST
City	SPINDALE
State	NC
Zip	28160-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GPIN:1529088718490000; 304 ELM ST
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	3
Census Block	3034
Census Tract	960600

Owner

178 Elm St, a single family home, is held in a trust.

Source: Rutherford County records, as of August 3, 2026

Owner of Record	Trust Name on File
Mailing Address	1674 DOGGETT RD, FOREST CITY, NC 28043-8158
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 178 Elm St was $1,035.

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	$1,035.00	$69,800 Land $9,000 Building $60,800	$69,800 Land $9,000 Building $60,800
2023		$69,800 Land $9,000 Building $60,800	$69,800 Land $9,000 Building $60,800
2022	$595.00
2021	$595.00

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

Flood

FEMA maps place 178 Elm 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 178 Elm 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

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