194 Franklin St, Spindale, NC 28160 Property Records

Rutherford County property record for 194 Franklin St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,226 sqft · built 1950
Lot Size	6.48 acres (282,704 sqft)
Owner	Individual Name on File
Last Sale	$164,596 (Apr 2013)
Tax Bill	$2,613 (2022)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1621197`

Property Details

APN / Parcel Number

Primary APN	`1621197`
Alternative APN	`34877`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,226 sqft Heated Area
Gross Area	4,126 sqft
Basement Area	1,900 sqft
Finished Basement	1,425 sqft
Unfinished Basement	475 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	282,704 sqft (6.48 acres)
Porch	Glass Porch
Porch Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air

Location & Zoning

Account Number	34877
Street Address	194 FRANKLIN ST
City	SPINDALE
State	NC
Zip	28160-5206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	GPIN:1539102760080000; RES OFF HWY 74
Legal Block	1
Legal Lot Number	13
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	3
Census Block	3027
Census Tract	960600

Owner

194 Franklin St is owned and occupied by an individual who bought it in April 2013.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	194 FRANKLIN ST, SPINDALE, NC 28160-5206
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2013 · Amount on File
Deed Sale	Apr 19, 2013 · Amount on File
Deed Document Number	201200010124
Deed Book / Page	1062 / 124
Record Updated	Jun 7, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	194 FRANKLIN ST, SPINDALE, NC 28160-5206
Transaction Type	Mortgage
Record Updated	Aug 18, 2023
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020734288
Date	Jul 31, 2023
Book Page	2073/4288

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

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

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
2023		$308,900 Land $31,300 Building $277,600	$308,900 Land $31,300 Building $277,600
2022	$2,613.00
2021	$2,613.00

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

Flood

FEMA maps place 194 Franklin 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 194 Franklin St is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	0.1% 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 60 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

May also be available: Pangaea Internet.

Cell Coverage

5G and 4G LTE (outdoors only)

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