198 Freeman St, Rutherfordton, NC 28139 Property Records

Rutherford County property record for 198 Freeman St, Rutherfordton, NC 28139

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,186 sqft · built 1920
Lot Size	0.789 acres (34,412 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Jun 2017)
Tax Bill	$2,025 (2022)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1651937`

Property Details

APN / Parcel Number

Primary APN	`1651937`
Alternative APN	`57569`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,186 sqft Heated Area
Gross Area	1,886 sqft
Basement Area	625 sqft
Unfinished Basement	625 sqft
Flooring	Wood

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,412 sqft (0.789 acres)
Porch	Enclosed Porch
Porch Area	196 sqft
Utility Building	56 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air

Location & Zoning

Account Number	57569
Street Address	198 FREEMAN ST
City	RUTHERFORDTON
State	NC
Zip	28139-3120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-3
Legal Description	PL38-105
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1001
Census Tract	960503

Owner

198 Freeman St is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	198 FREEMAN ST, RUTHERFORDTON, NC 28139-3120
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

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jun 1, 2017	Warranty Deed, Transfer LOCAL GOV'T EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on File
Deed Sale	Jun 1, 2017 · Amount on File
Deed Document Number	0001151555
Deed Book / Page	1151 / 555
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	198 FREEMAN ST, RUTHERFORDTON, NC 28139-3120
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020520695
Date	Oct 5, 2021
Book Page	2052/695

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	198 FREEMAN ST, RUTHERFORDTON, NC 28139-3120
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020520711
Date	Oct 5, 2021
Book Page	2052/711

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RUTHERFORDTON, NC 28139

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 1, 2017
Property Address	198 FREEMAN ST, RUTHERFORDTON, NC 28139-3120
Document Number	0011510555
Book / Page	001151 / 000555
Instrument Date	May 30, 2017
Instrument	11421
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$278.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	198 FREEMAN ST RUTHERFORDTON NC 281393120, RUTHERFORDTON, NC 28139-3120

Mortgage

Document Number	12500129
Date	Jun 1, 2017
Book Page	001250/000129
Instrument	11422

Lender

Name	LOCAL GOV'T EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Municipality	Rutherfordton Town
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$289,900 Land $16,200 Building $273,700	$289,900 Land $16,200 Building $273,700
2022	$2,025.00
2021	$2,025.00

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

Flood

FEMA maps place 198 Freeman 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 198 Freeman St is low, with a 0.05% 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	0.05% 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Vyve Broadband Cable	2,000 / 50
Pangaea Internet Fiber	500 / 500

May also be available: Spectrum, Verizon.

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