200 Center St, Spindale, NC 28160 Property Records

Rutherford County property record for 200 Center St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,572 sqft · built 1954
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,600 (May 2004)
Tax Bill	$3,141 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1202762`

Property Details

APN / Parcel Number

Primary APN	`1202762`
Alternative APN	`17739`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,572 sqft Heated Area
Basement Area	1,305 sqft
Unfinished Basement	1,305 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)

Exterior Amenities

Porch	Patio
Porch Area	855 sqft
Patio Area	100 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	200 CENTER ST
City	SPINDALE
State	NC
Zip	28160-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	GPIN:1529116646210000; RES CENTER ST
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2051
Census Tract	960600

Owner

Source: Rutherford County records, as of December 26, 2025

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 Record
Mailing Address	200 CENTER ST, SPINDALE, NC 28160-1504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP
Jul 16, 2020	Quit Claim Deed, Transfer CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2004 · Amount on Record
Deed Sale	May 4, 2004 · Amount on Record
Deed Book / Page	845 / 509
Last Transfer Date	Apr 1, 2020
Transfer Doc	0020344007
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 10, 2020
Property Address	200 CENTER ST, SPINDALE, NC 28160-1504
Document Number	0020401521
Book / Page	2040 / 1521
Instrument Date	Dec 10, 2020
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 CENTER ST, 200, SPINDALE, NC 28160-1504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 CENTER ST, SPINDALE, NC 28160-1504

Mortgage

Document Number	0020401524
Date	Dec 10, 2020
Instrument	2040/1524

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jul 16, 2020
Property Address	200 CENTER ST, SPINDALE, NC 28160-1504
Document Number	0020344007
Book / Page	002034 / 004007
Instrument Date	Apr 1, 2020
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	200 CENTER ST SPINDALE NC 281601504, SPINDALE, NC 28160-1504

Mortgage

Document Number	20344012
Date	Jul 16, 2020
Book Page	002034/004012

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2035

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,141.00 (+38.01%)	$262,000 (-) Land $21,600 Building $240,400	$262,000 (-) Land $21,600 Building $240,400
2023		$262,000 Land $21,600 Building $240,400	$262,000 Land $21,600 Building $240,400
2022	$2,276.00
2021	$2,276.00

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

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

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	0.02% annual chance
Exposure	None beyond ember reach

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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

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

Nearby Properties on Center St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures