Rutherford County property record for 196 Elm St, Spindale, NC 28160
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,198 sqft · built 1928 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $133,000 (Mar 2025) |
| Tax Bill | $1,541 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1208641 |
| Primary APN | 1208641 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,198 sqft Heated Area |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 13,504 sqft (0.31 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 144 sqft |
| Patio Area | 12 sqft |
| Cooling System | Partial |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 196 ELM ST |
|---|---|
| City | SPINDALE |
| State | NC |
| Zip | 28160-1929 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | WELLS ELLIOT PROPERTY LO:46-48 PL:1-101 |
| Legal Subdivision | WELLS ELLIOTT PROPERTY |
| Legal Lot Number | 46,48 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 960600 |
196 Elm St is owned and occupied by two individuals who bought it in March 2025.
Source: Rutherford County records, as of April 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 ELM ST, SPINDALE, NC 28160-1929 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Apr 8, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2025 · Amount on File |
| Deed Sale | Mar 21, 2025 · Amount on File |
| Prior Sale | Dec 21, 2005 · Amount on File |
| Deed Book / Page | 2090 / 287 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Apr 1, 2026 |
| Property Address | 196 ELM ST, SPINDALE, NC 28160-1929 |
| Document Number | 2101001172 |
| Book / Page | 2101 / 1172 |
| Instrument Date | Mar 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 196 ELM ST, SPINDALE, NC 28160-1929 |
| Document Number | 2101001172, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 2101/1172 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Apr 8, 2022 |
| Property Address | 196 ELM ST, SPINDALE, NC 28160-1929 |
| Document Number | 0020591671 |
| Book / Page | 2059 / 1671 |
| Map Reference | MB 1 PG 101 |
| Instrument Date | Apr 4, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 720 PEARIDGE RD, 720, BOSTIC, NC 28018-7746 |
| Name | Verified Name |
|---|---|
| Address | 196 ELM ST, SPINDALE, NC 28160-1929 |
The 2025 property tax bill for 196 Elm St was $1,541.
Source: Rutherford County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Spindale Town |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,541.00 | $116,000 Land $10,000 Building $106,000 | $116,000 Land $10,000 Building $106,000 |
| 2023 | $116,000 Land $10,000 Building $106,000 | $116,000 Land $10,000 Building $106,000 | |
| 2022 | $852.00 | ||
| 2021 | $852.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 Elm 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 risk around 196 Elm St is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| Pangaea Internet Fiber | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
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