261 Elmore St, Spindale, NC 28160 Property Records

Rutherford County property record for 261 Elmore St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 1930
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$82,500 (Dec 2003)
Tax Bill	$2,141 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1211791`

Property Details

APN / Parcel Number

Primary APN	`1211791`
Alternative APN	`20752`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,706 sqft Heated Area
Basement Area	380 sqft
Unfinished Basement	380 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Garage Area	240 sqft
Porch	Patio
Porch Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C

Location & Zoning

Street Address	261 ELMORE ST
City	SPINDALE
State	NC
Zip	28160-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GPIN:1529117639610000; RES ELMORE ST
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2002
Census Tract	960600

Owner

261 Elmore St is owned and occupied by two individuals who bought it in December 2003.

Source: Rutherford County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	261 ELMORE ST, SPINDALE, NC 28160-1518
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
Apr 1, 2026	Deed of Trust · Line of Credit STATE EMPLOYEES CREDIT UNION
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
May 18, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 19, 2019	Deed of Trust, Mortgage US MORTGAGELINE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2003 · Amount on File
Deed Sale	Dec 31, 2003 · Amount on File
Deed Book / Page	837 / 59
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 1, 2026
Property Address	261 ELMORE ST, SPINDALE, NC 28160-1518
Document Number	2101001195
Book / Page	2101 / 1195
Instrument Date	Mar 26, 2026
Record Updated	Apr 21, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 ELMORE ST, SPINDALE, NC 28160-1518

Mortgage

Document Number	2101001195,
Date	Apr 1, 2026
Book Page	2101/1195

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 1, 2026
Property Address	261 ELMORE ST, SPINDALE, NC 28160-1518
Document Number	0021011195
Book / Page	2101 / 1195
Instrument Date	Mar 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 ELMORE ST, SPINDALE, NC 28160-1518

Mortgage

Document Number	2101001195,
Date	Apr 1, 2026
Book Page	2101/1195

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	5.98%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	261 ELMORE ST, SPINDALE, NC 28160-1518
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020462433
Date	May 18, 2021
Book Page	2046/2433

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	FOREST CITY, NC 28043

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	261 ELMORE ST, SPINDALE, NC 28160-1518
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020431472
Date	Mar 2, 2021
Book Page	2043/1472

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	261 ELMORE ST, SPINDALE, NC 28160-1518
Document Number	0020192156
Instrument Date	Jan 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	261 ELMORE ST SPINDALE NC 281601518, SPINDALE, NC 28160-1518

Mortgage

Document Number	0020192156
Date	Jan 24, 2019
Book Page	002019/002156

Lender

Name	US MORTGAGELINE
Type	Mortgage Company
Address	BALA CYNWYD, PA 19004

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 261 Elmore St was $2,141.

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	$2,141.00	$191,300 Land $18,000 Building $173,300	$191,300 Land $18,000 Building $173,300
2023		$191,300 Land $18,000 Building $173,300	$191,300 Land $18,000 Building $173,300
2022	$1,538.00
2021	$1,538.00

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

Flood

FEMA maps place 261 Elmore 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 261 Elmore St is low, with a 0.03% 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	0.03% 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 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 Elmore St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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