178 West St, Spindale, NC 28160 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 990 sqft · built 1966
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on File
Last Sale	$187,500 (Oct 2026)
Tax Bill	$1,258 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Dec 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1601394`

Property Details

APN / Parcel Number

Primary APN	`1601394`
Alternative APN	`23557`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	990 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	178 WEST ST
City	SPINDALE
State	NC
Zip	28160-1352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GPIN:1620196049860000; RES LTS 69-70 WEST ST
Legal Subdivision	K S TANNER SUBDIVISION
Legal Tract	1
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1042
Census Tract	960600

Owner

178 West St is owned by a company that bought it in October 2026.

Source: Rutherford County records, as of October 21, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 46, WAYNESVILLE, NC 28786-0046
Owner Type	Company
Vesting	Limited Liability Partnership

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
Oct 2, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Dec 5, 2017	Warranty Deed, Transfer CECIL REID
Nov 24, 2017	Deed of Trust, Mortgage CECIL REID
May 15, 2017	Grant Deed, Transfer FRANKLIN ESCROW LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Deed Book / Page	2107 / 2733
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 2, 2026
Property Address	178 WEST ST, SPINDALE, NC 28160-1352
Document Number	2107002733
Book / Page	2107 / 2733
Instrument Date	Oct 1, 2026
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	2107002736,
Date	Oct 2, 2026
Book Page	2107/2736

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 1, 2031

Interest

Max Rate	-1%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 5, 2017
Property Address	178 WEST ST, SPINDALE, NC 28160-1352
Document Number	0011630841
Book / Page	001163 / 000841
Instrument Date	Nov 28, 2017
Instrument	5169
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	MERIDIAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 US 64 HWY RUTHERFORDTON NC 281398188, RUTHERFORDTON, NC 28139-8188
Investor	Possibly a Property Investor

Mortgage

Document Number	12630711
Date	Dec 5, 2017
Book Page	001263/000711
Instrument	5170

Lender

Name	CECIL REID
Address	160 BODIE AVE, FOREST CITY, NC 28043-5117

Agreement

Amount	Amount on Record
Term	216 Months
Due	Dec 4, 2035

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	178 WEST ST, SPINDALE, NC 28160-1352
Document Number	0012630711
Instrument Date	Nov 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 US 64 HWY RUTHERFORDTON NC 281398188, RUTHERFORDTON, NC 28139-8188

Mortgage

Document Number	0012630711
Date	Dec 5, 2017
Book Page	001263/000711
Instrument	5170

Lender

Name	CECIL REID
Address	160 BODIE AVE, FOREST CITY, NC 28043-5117

Agreement

Amount	Amount on Record
Term	216 Months
Due	Dec 4, 2035

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 15, 2017
Property Address	178 WEST ST, SPINDALE, NC 28160-1352
Document Number	0011500401
Book / Page	001150 / 000401
Instrument Date	May 9, 2017
Instrument	10802
Transaction Type	Transfer
Record Updated	Jun 5, 2017
Title Company	FRANKLIN ESCROW LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 WEST ST SPINDALE NC 281601352, SPINDALE, NC 28160-1352

Tax Assessment & Valuation

The 2025 property tax bill for 178 West St was $1,258.

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	$1,258.00	$90,200 Land $9,000 Building $81,200	$90,200 Land $9,000 Building $81,200
2023		$90,200 Land $9,000 Building $81,200	$90,200 Land $9,000 Building $81,200
2022	$692.00
2021	$692.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 178 West St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 18, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 178 West St is low, with a 0.04% 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	0.04% 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Pangaea Internet, T-Mobile.

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