Rutherford County property record for 201 Oak St, Spindale, NC 28160 · Last verified June 2026
| Property Type | Commercial > Retail > Auto Repair, Garage |
|---|---|
| Architecture Style | Ranch |
| Year Built | Built 1990 |
| Square Footage | 1,800 sqft Gross Area |
| Lot Size | 33,106 sqft (0.76 acres) |
| Last Sale | $175,000 (2026) |
| Tax Bill | $1,628.00 (2025) |
| Primary APN | 1613887 |
|---|---|
| Alternative APN |
|
| Building Area | 1,800 sqft Gross Area |
|---|---|
| Stories | 1 Stories |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch Style |
| Exterior Material | Metal Exterior |
| Roof Construction | Gable Roof Construction |
| Lot Area | 33,106 sqft (0.76 acres) |
| Total Buildings | 2 Total Buildings |
| Heating System | HVAC Heating |
|---|---|
| Water Source | Commercial Water Source |
| Street Address | 201 OAK ST |
|---|---|
| City | SPINDALE |
| State | NC |
| Zip | 28160 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail > Auto Repair, Garage |
| Jurisdiction | RUTHERFORD NC |
| Minor Civil Division | RUTHERFORDTON |
| Census Blockgroup | 2 |
| Census Block | 2028 |
| Census Tract | 960600 |
Source: Rutherford County records · APN 1613887
Assessment roll updated August 29, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 733 E MAIN ST, SPINDALE, NC 28160-1938 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jun 04, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK AND TRUST COMPANY |
| Aug 01, 2017 | Loan Modification, Mortgage BANK OF THE OZARKS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 04, 2026 · Amount on Record |
| Deed Sale | Jun 04, 2026 · Amount on Record |
| Prior Sale | Dec 17, 2004 · Amount on Record |
| Deed Doc Number | 2026 |
| Deed Book / Page | 2103 / 2085 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Jun 04, 2026 |
| Property Address | 201 OAK ST, SPINDALE, NC 28160 |
| Document Number | 2103002085 |
| Book / Page | 2103 / 2085 |
| Instrument Date | Jun 04, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 733 E MAIN ST, SPINDALE, NC 28160-1938 |
| Document Number | 2103002089, |
|---|---|
| Date | Jun 04, 2026 |
| Book Page | 2103/2089 |
| Name | FIRST CITIZENS BANK AND TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 201 OAK ST, SPINDALE, NC 28160 |
| Document Number | 0011550619 |
| Instrument Date | Aug 01, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Name | Verified Name |
|---|---|
| Address | 154 LOVELACE RD FOREST CITY NC 280435765, FOREST CITY, NC 28043-5765 |
| Document Number | 0011550619 |
|---|---|
| Date | Aug 03, 2017 |
| Book Page | 001155/000619 |
| Instrument | 1030 |
| Name | BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Address | FOREST CITY, NC 28043 |
| Term | 60 Months |
|---|---|
| Due | Aug 02, 2022 |
Source: Rutherford County records · Assessment roll updated August 29, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Spindale Town |
| Unified School District | Rutherford County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,628.00 (+1.5%) | $140,400 (-) Land $57,900 Building $82,500 | $140,400 (-) Land $57,900 Building $82,500 |
| 2023 | $140,400 Land $57,900 Building $82,500 | $140,400 Land $57,900 Building $82,500 | |
| 2022 | $1,604.00 | ||
| 2021 | $1,604.00 |
201 Oak St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Rutherford County (37161C), updated April 18, 2014
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 34th percentile of exposed land nationally · 46th in North Carolina |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,703 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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