233 Charlotte Rd, Rutherfordton, NC 28139 Property Records

Rutherford County property record for 233 Charlotte Rd, Rutherfordton, NC 28139

Property Summary

Property Type	Commercial Office
Details	1 ba · 1,323 sqft · built 2014
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on File
Last Sale	$265,000 (Sep 2025)
Tax Bill	$1,630 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1650080`

Property Details

APN / Parcel Number

Primary APN	`1650080`
Alternative APN	`55826`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,323 sqft Gross Area

Exterior

Year Built	Built 2014
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	55826
Street Address	233 CHARLOTTE RD
City	RUTHERFORDTON
State	NC
Zip	28139-2913
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	RMST
Legal Description	LO:2 PL:35-43
Legal Block	4
Legal Lot Number	2
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2037
Census Tract	960502

Owner

233 Charlotte Rd, a commercial property, is owned by a company that bought it in September 2025.

Source: Rutherford County records, as of October 1, 2025

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	Company Name on File
Mailing Address	1304 W MAIN ST, FOREST CITY, NC 28043-2526
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Warranty Deed, Transfer · Commercial Mortgage PEOPLES BANK
Oct 26, 2021	Warranty Deed, Transfer
May 24, 2019	Deed of Trust, Mortgage · Line of Credit CAROLINA TR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	May 30, 2025 · Amount on File
Deed Document Number	0020951832
Deed Book / Page	2095 / 1832
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 16, 2025
Property Address	233 CHARLOTTE RD, RUTHERFORDTON, NC 28139-2913
Document Number	0020951832
Book / Page	2095 / 1832
Map Reference	MB 35 PG 43
Instrument Date	Sep 11, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	756 GREEN RD, RUTHERFORDTON, NC 28139-6629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 W MAIN ST, FOREST CITY, NC 28043-2526
Investor	Possibly a Property Investor

Mortgage

Document Number	0020951835
Date	Sep 16, 2025
Instrument	2095/1835

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 26, 2021
Property Address	233 CHARLOTTE RD, RUTHERFORDTON, NC 28139-2913
Document Number	0020524774
Book / Page	2052 / 4774
Map Reference	MB 35 PG 43
Instrument Date	Oct 25, 2021
Transaction Type	Transfer
Record Updated	Dec 1, 2021

Transaction

Amount	Amount on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	147 PUMKIN PATCH RD, 147, RUTHERFORDTON, NC 28139-8196

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	337 BURL BRIDGES RD, FOREST CITY, NC 28043-7612

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	233 CHARLOTTE RD, RUTHERFORDTON, NC 28139-2913
Document Number	0020223067
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 PUMPKIN PATCH RUTHERFORDTON NC 28139, RUTHERFORDTON, NC 28139

Mortgage

Document Number	0020223067
Date	May 24, 2019
Book Page	002022/003067
Instrument	10922

Lender

Name	CAROLINA TR BK
Type	Bank
Address	FOREST CITY, NC 28043

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2025

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
2025	$1,630.00 (-10.93%)	$164,500 (-) Land $65,400 Building $99,100	$164,500 (-) Land $65,400 Building $99,100
2023		$164,500 Land $65,400 Building $99,100	$164,500 Land $65,400 Building $99,100
2022	$1,830.00
2021	$1,830.00

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

Flood

FEMA maps place 233 Charlotte Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (2018–2020)
Most Recent Claim	May 2020 · other causes

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 233 Charlotte Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Pangaea Internet, Spectrum.

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