190 Gardenbrook Dr, Forest City, NC 28043 Property Records

Rutherford County property record for 190 Gardenbrook Dr, Forest City, NC 28043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,562 sqft · built 1969
Lot Size	5.54 acres (241,322 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Mar 2020)
Tax Bill	$162 (2022)
Deeds & Mortgages	Oct 2019 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1620716`

Property Details

APN / Parcel Number

Primary APN	`1620716`
Alternative APN	`34596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,562 sqft Heated Area
Gross Area	3,124 sqft
Basement Area	1,562 sqft
Unfinished Basement	1,562 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1994
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	241,322 sqft (5.54 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	684 sqft
Patio Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air

Location & Zoning

Account Number	34596
Street Address	190 GARDENBROOK DR
City	FOREST CITY
State	NC
Zip	28043-9669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:1528087991310000; RES OFF OAKLAND ROAD
Legal Subdivision	RUTHERFORDTON TOWNSHIP
Legal Block	1
Legal Lot Number	48
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	3
Census Block	3001
Census Tract	960400

Owner

190 Gardenbrook Dr is owned by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	127 KIMS COVE RD, CANTON, NC 28716-4959
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
Oct 15, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 6, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Jan 10, 2018	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Jan 10, 2018 · Amount on File
Deed Document Number	0020304914
Deed Book / Page	2030 / 4914
Record Updated	Jun 7, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	190 GARDENBROOK DR, FOREST CITY, NC 28043-9669
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020264732
Date	Oct 15, 2019
Book Page	2026/4732

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 6, 2020
Property Address	190 GARDENBROOK DR, FOREST CITY, NC 28043-9669
Document Number	0020304914
Book / Page	2030 / 4914
Instrument Date	Mar 6, 2020
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	892 HALF MOON TRL APT 203, 892, HENDERSONVILLE, NC 28792-8204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 KIMS COVE RD, CANTON, NC 28716-4959

Mortgage

Document Number	0020304917
Date	Mar 6, 2020
Instrument	2030/4917

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jan 10, 2018
Property Address	190 GARDENBROOK DR, FOREST CITY, NC 28043-9669
Document Number	0011660168
Book / Page	1166 / 168
Instrument Date	Jan 8, 2018
Instrument	201700006298
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1639 US HIGHWAY 74A BYP # BYP211, 1639, SPINDALE, NC 28160-1886

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 ARDIS LN # 1, 1, HENDERSONVILLE, NC 28792-9167

Mortgage

Document Number	201700006299
Date	Jan 10, 2018
Instrument	201700006299

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$362,700 Land $26,000 Building $336,700	$362,700 Land $26,000 Building $336,700
2022	$162.00 (-90.03%)
2021	$1,625.00

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

Flood

FEMA maps place 190 Gardenbrook Dr 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 190 Gardenbrook Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 69 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Pangaea Internet.

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