Rutherford County property record for 277 Black Rd, Ellenboro, NC 28040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,739 sqft · built 1952 |
| Lot Size | 6.15 acres (267,894 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $714 (2022) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0327127 |
| Primary APN | 0327127 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,739 sqft Heated Area |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 267,894 sqft (6.15 acres) |
| Porch | Porch |
| Porch Area | 112 sqft |
| Patio Area | 230 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 4950 |
|---|---|
| Old Parcel Number | 0327127 |
| Street Address | 277 BLACK RD |
| City | ELLENBORO |
| State | NC |
| Zip | 28040-8717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GPIN:1599000568330000; RES. SANDY RUN CRK |
| Legal Subdivision | SANDY RUN CRK |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | COLFAX |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 961002 |
277 Black Rd is owned and occupied 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 | 277 BLACK RD, ELLENBORO, NC 28040-8717 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000625354 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 277 BLACK RD, ELLENBORO, NC 28040-8717 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0020631526 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | 2063/1526 |
| Name | SCHUMACHER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CANTON, OH 44708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $130,900 Land $29,400 Building $101,500 | $130,900 Land $29,400 Building $101,500 | |
| 2022 | $714.00 | ||
| 2021 | $714.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 277 Black Rd 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 risk around 277 Black Rd is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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