195 Elm St, Spindale, NC 28160 Property Records

Rutherford County property record for 195 Elm St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,507 sqft · built 1951
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1212101`

Property Details

APN / Parcel Number

Primary APN	`1212101`
Alternative APN	`20837`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,507 sqft Heated Area
Basement Area	754 sqft
Unfinished Basement	754 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Area	750 sqft
Porch	Slab
Porch Area	214 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	195 ELM ST
City	SPINDALE
State	NC
Zip	28160-1928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GPIN:1529087891710000; RES ELM ST
Legal Subdivision	SPINDALE MILLS
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	3
Census Block	3035
Census Tract	960600

Owner

Source: Rutherford County records · APN 1212101

Assessment roll updated August 29, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	195 ELM ST, SPINDALE, NC 28160-1928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 15, 2012
Transfer Doc	0010430171
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	195 ELM ST, SPINDALE, NC 28160-1928
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 ELM ST, SPINDALE, NC 28160-1928

Mortgage

Document Number	0020631039
Date	Jul 25, 2022
Book Page	2063/1039

Lender

Name	TRAVIS GREENE
Type	Private Party
Address	1304 W MAIN ST, FOREST CITY, NC 28043

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Aug 01, 2027

Tax Assessment & Valuation

Source: Rutherford County records · Assessment roll updated August 29, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,795.00 (+64.98%)	$139,200 (-) Land $10,000 Building $129,200	$139,200 (-) Land $10,000 Building $129,200
2023		$139,200 Land $10,000 Building $129,200	$139,200 Land $10,000 Building $129,200
2022	$1,088.00
2021	$1,088.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 18, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
e-Polk Fiber	500 / 500
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 217 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	BROAD RIVER WATER AUTHORITY serves 19,136 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.