196 Pipers Neck, Rutherfordton, NC 28139 Property Records

Rutherford County property record for 196 Pipers Neck, Rutherfordton, NC 28139

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 864 sqft · built 1985
Lot Size	6.45 acres (280,962 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Nov 2012)
Tax Bill	$1,253 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0217836`

Property Details

APN / Parcel Number

Primary APN	`0217836`
Alternative APNs	`217836` `611`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	864 sqft Heated Area
Basement Area	864 sqft
Finished Basement	864 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	280,962 sqft (6.45 acres)

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	108 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	196 PIPERS NCK
City	RUTHERFORDTON
State	NC
Zip	28139-6365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:0661002812810000; RES OFF GRASSY KNOB RD
Legal Subdivision	J J WELLS
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1044
Census Tract	960302

Owner

Source: Rutherford County records, as of September 3, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	196 PIPERS NCK, RUTHERFORDTON, NC 28139-6365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LNDG INC
Sep 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Mar 18, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2012 · Amount on Record
Deed Sale	Nov 2, 2012 · Amount on Record
Deed Document Number	20124375
Deed Book / Page	1052 / 573
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 12, 2026
Property Address	196 PIPERS NCK, RUTHERFORDTON, NC 28139-6365
Document Number	2105003788
Book / Page	2105 / 3788
Instrument Date	Aug 7, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 PIPERS NCK, RUTHERFORDTON, NC 28139-6365

Mortgage

Document Number	2105003788,
Date	Aug 12, 2026
Book Page	2105/3788

Lender

Name	ADVANTAGEFIRST LNDG INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	196 PIPERS NCK, RUTHERFORDTON, NC 28139-6365
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	UNKNOWN, MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 PIPERS NCK, RUTHERFORDTON, NC 28139-6365

Mortgage

Document Number	0020953379
Date	Sep 25, 2025
Book Page	2095/3379

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	196 PIPERS NCK, RUTHERFORDTON, NC 28139-6365
Document Number	0012440372
Book / Page	001244 / 000372
Instrument Date	Mar 18, 2017
Transaction Type	Mortgage
Record Updated	Apr 5, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	196 PIPERS NCK RUTHERFORDTON NC 281396365, RUTHERFORDTON, NC 28139-6365

Mortgage

Document Number	0012440372
Date	Mar 22, 2017
Book Page	001244/000372
Instrument	8895

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2047

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 29, 2025

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
2025	$1,253.00 (+41.26%)	$188,900 (-) Land $28,000 Building $160,900	$188,900 (-) Land $28,000 Building $160,900
2023		$188,900 Land $28,000 Building $160,900	$188,900 Land $28,000 Building $160,900
2022	$887.00
2021	$887.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	11 (2021–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims

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 Risk	Moderate above 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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