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196 Midland St, Spindale, NC 28160 Property Records

Rutherford County property record for 196 Midland St, Spindale, NC 28160

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,296 sqft · built 1935
Lot Size0.46 acres (20,038 sqft)
OwnerIndividual Name on Record
Last Sale$87,500 (May 2020)
Tax Bill$1,213 (2022)
Deeds & MortgagesSep 2020 Transfer
May 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1212820

Property Details

APN / Parcel Number

Primary APN1212820
Alternative APN
  • 21035

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,296 sqft Heated Area
Gross Area1,188 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1968
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof TypeGable
Roof MaterialAsphalt
Lot Area20,038 sqft (0.46 acres)
Deck Area112 sqft
Patio Area112 sqft

Utilities, Heating & Cooling

Cooling SystemFan Cooling
Heating SystemHeat Pump

Location & Zoning

Account Number21035
Street Address196 MIDLAND ST
CitySPINDALE
StateNC
Zip28160-2477
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR6
Legal DescriptionGPIN:1620195035120000; RES MIDLAND ST
Legal SubdivisionHARWOOD BEEBE CO
Legal Block2
Legal Lot Number4
JurisdictionRUTHERFORD NC
Township / Civil DivisionRUTHERFORDTON
Census Block Group1
Census Block1056
Census Tract960600

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address196 MIDLAND ST, SPINDALE, NC 28160-2477
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 3, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
May 15, 2020Warranty Deed, Transfer · Conventional Mortgage
HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 15, 2020 · Amount on Record
Deed SaleMay 15, 2020 · Amount on Record
Deed Document Number0020324667
Deed Book / Page2032 / 4667
Record UpdatedJun 7, 2026

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionRUTHERFORD NC
Recording DateSep 3, 2020
Property Address196 MIDLAND ST, SPINDALE, NC 28160-2477
Document Number0020362773
Book / Page002036 / 002773
Instrument DateSep 2, 2020
Transaction TypeTransfer
Record UpdatedSep 30, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address196 MIDLAND ST SPINDALE NC 281602477, SPINDALE, NC 28160-2477

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRUTHERFORD NC
Recording DateMay 15, 2020
Property Address196 MIDLAND ST, SPINDALE, NC 28160-2477
Document Number0020324667
Book / Page2032 / 4667
Map ReferenceMB 2 PG 34
Instrument DateMay 14, 2020
Transaction TypeTransfer
Record UpdatedOct 21, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$175.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1301 CHARLOTTESVILLE BLVD, 1301, KNOXVILLE, TN 37922-6663

Transferred To (Grantee/Buyer)

NameVerified Name
Address196 MIDLAND ST, SPINDALE, NC 28160-2477

Mortgage

Document Number0020324669
DateMay 15, 2020
Instrument2032/4669
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyRutherford County
MunicipalitySpindale Town
Unified School DistrictRutherford County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$145,200 Land $8,800 Building $136,400$145,200 Land $8,800 Building $136,400
2022$1,213.00
2021$1,213.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemBROAD RIVER WATER AUTHORITY
serves 19,136 people · EPA ID NC0181035
Water SourceSurface water
Last State InspectionAug 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 184 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: Pangaea Internet, T-Mobile.

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