181 Oak St, Spindale, NC 28160 Property Records

Rutherford County property record for 181 Oak St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,212 sqft · built 1930
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Sep 2022)
Tax Bill	$1,290 (2025)
Deeds & Mortgages	Feb 2023 Sale Sep 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1204800`

Property Details

APN / Parcel Number

Primary APN	`1204800`
Alternative APN	`18891`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,212 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	27,443 sqft (0.63 acres)
Porch	Slab
Porch Area	277 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	181 OAK ST
City	SPINDALE
State	NC
Zip	28160-1596
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GC
Legal Description	MCELLIS LO:63TO69 PL:1-13
Legal Subdivision	ANNIE LOGAN LANDS SPINDALE RUTHERFORDTON
Legal Lot Number	63TO69
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2028
Census Tract	960600

Owner

Source: Rutherford County records, as of September 9, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	229 BIG SPRINGS AVE, FOREST CITY, NC 28043-3106
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Warranty Deed, Transfer
Sep 1, 2022	Warranty Deed, Transfer
Apr 13, 2022	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage D & B INVESTMENTS
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Oct 17, 2017	Warranty Deed, Transfer · Line of Credit CAROLINA TR BK
Mar 31, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Mar 31, 2017 · Amount on Record
Prior Transfer Date	Apr 11, 2022
Prior Transfer Doc	0020592544
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Feb 10, 2023
Property Address	181 OAK ST, SPINDALE, NC 28160-1596
Document Number	0020690712
Book / Page	2069 / 712
Map Reference	MB 01 PG 13
Instrument Date	Feb 8, 2023
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 CAMERON DR, RUTHERFORDTON, NC 28139-9199

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 BIG SPRINGS AVE, FOREST CITY, NC 28043-3106

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 1, 2022
Property Address	181 OAK ST, SPINDALE, NC 28160-1596
Document Number	0020642449
Book / Page	2064 / 2449
Map Reference	MB 1 PG 13
Instrument Date	Aug 31, 2022
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1304 W MAIN ST, FOREST CITY, NC 28043-2526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CAMERON DR, RUTHERFORDTON, NC 28139-9199

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 13, 2022
Property Address	181 OAK ST, SPINDALE, NC 28160-1596
Document Number	0020592544
Book / Page	2059 / 2544
Map Reference	MB 1 PG 13
Instrument Date	Apr 11, 2022
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 W MAIN ST, FOREST CITY, NC 28043-2526
Investor	Possibly a Property Investor

Mortgage

Document Number	0020592547
Date	Apr 13, 2022
Instrument	2059/2547

Lender

Name	D & B INVESTMENTS
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 31, 2020
Property Address	181 OAK ST, SPINDALE, NC 28160-1596
Document Number	0020410202
Book / Page	2041 / 202
Map Reference	MB 1147 PG 667
Instrument Date	Dec 30, 2020
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1304 W MAIN ST, 1304, FOREST CITY, NC 28043-2526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 W MAIN ST, FOREST CITY, NC 28043-2526

Mortgage

Document Number	0002041205
Date	Dec 31, 2020
Instrument	2041/205

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2040

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 17, 2017
Property Address	181 OAK ST, SPINDALE, NC 28160-1596
Document Number	0011600682
Book / Page	001160 / 000682
Instrument Date	Oct 17, 2017
Instrument	3565
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1304 W MAIN ST FOREST CITY NC 280432526, FOREST CITY, NC 28043-2526

Mortgage

Document Number	12600150
Date	Oct 17, 2017
Book Page	001260/000150
Instrument	3567

Lender

Name	CAROLINA TR BK
Type	Bank
Address	FOREST CITY, NC 28043

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 31, 2017
Property Address	181 OAK ST, SPINDALE, NC 28160-1596
Document Number	0011470667
Book / Page	001147 / 000667
Instrument Date	Mar 30, 2017
Instrument	9283
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$30.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	181 OAK ST SPINDALE NC 281601596, SPINDALE, NC 28160-1596

Tax Assessment & Valuation

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	$1,290.00 (+24.88%)	$113,600 (-) Land $61,900 Building $51,700	$113,600 (-) Land $61,900 Building $51,700
2023		$113,600 Land $61,900 Building $51,700	$113,600 Land $61,900 Building $51,700
2022	$1,033.00
2021	$1,033.00

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 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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