220 Greer St, Spindale, NC 28160 Property Records

Rutherford County property record for 220 Greer St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,596 sqft · built 2017
Lot Size	9.73 acres (424,274 sqft)
Owner	Individual Name on File
Tax Bill	$3,415 (2022)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1651193`

Property Details

APN / Parcel Number

Primary APN	`1651193`
Alternative APN	`56820`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,596 sqft Heated Area
Flooring	Wood

Exterior

Year Built	Built 2017
Exterior Material	Logs
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	424,274 sqft (9.73 acres)
Porch	Open Porch
Porch Area	1,280 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	56820
Street Address	220 GREER ST
City	SPINDALE
State	NC
Zip	28160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	TR1 PL37-33
Legal Tract	1
Legal Block	3
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1007
Census Tract	960600

Owner

220 Greer St, a single family home, is owned by an individual.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	241 GREER ST, SPINDALE, NC 28160-1713
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
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Oct 13, 2017	Deed of Trust, Mortgage · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0001067535
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	220 GREER ST, SPINDALE, NC 28160
Transaction Type	Mortgage
Record Updated	Aug 2, 2023
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TTL CO DENVE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020473894
Date	Jun 18, 2021
Book Page	2047/3894

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	220 GREER ST, SPINDALE, NC 28160
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012590795
Date	Oct 13, 2017
Book Page	1259/795
Instrument	201700003459

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Max Rate	3.25%

Tax Assessment & Valuation

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

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
2023		$389,500 Land $26,000 Building $363,500	$389,500 Land $26,000 Building $363,500
2022	$3,415.00
2021	$3,415.00

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

Flood

FEMA maps place 220 Greer St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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

Wildfire risk around 220 Greer St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 160 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
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Greer St

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