Rutherford County property record for 279 Observation Rdg, Rutherfordton, NC 28139
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,728 sqft · built 2000 |
| Lot Size | 3.8 acres (165,964 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Nov 2021) |
| Tax Bill | $1,360 (2022) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1627169 |
| Primary APN | 1627169 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Heated Area |
| Gross Area | 1,152 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Logs |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 165,964 sqft (3.8 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 164 sqft |
| Patio Area | 224 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 38756 |
|---|---|
| Street Address | 279 OBSERVATION RDG |
| City | RUTHERFORDTON |
| State | NC |
| Zip | 28139-9309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLOW LAKES LO30 PH2 PL19-41 |
| Legal Subdivision | WILLOW LAKES |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | GREEN HILL |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 960501 |
Source: Rutherford County records, as of September 13, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 279 OBSERVATION RDG, RUTHERFORDTON, NC 28139-9309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Jun 7, 2019 | Deed of Trust, Mortgage HOMETRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 2021 · Amount on Record |
| Deed Sale | Nov 23, 2021 · Amount on Record |
| Prior Sale | Jun 7, 2019 · Amount on Record |
| Deed Document Number | 0002054774 |
| Deed Book / Page | 2054 / 774 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Nov 23, 2021 |
| Property Address | 279 OBSERVATION RDG, RUTHERFORDTON, NC 28139-9309 |
| Document Number | 0020540774 |
| Book / Page | 2054 / 774 |
| Map Reference | MB 693 PG 530 |
| Instrument Date | Nov 18, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $740.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 888 WHITE OAK MOUNTAIN RD, 888, COLUMBUS, NC 28722-8784 |
| Name | Verified Name |
|---|---|
| Address | 279 OBSERVATION RDG, RUTHERFORDTON, NC 28139-9309 |
| Document Number | 0002054778 |
|---|---|
| Date | Nov 23, 2021 |
| Instrument | 2054/778 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 279 OBSERVATION RDG, RUTHERFORDTON, NC 28139-9309 |
| Document Number | 0020224901 |
| Instrument Date | Jun 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 279 OBSERVATION RDG RUTHERFORDTON NC 281399309, RUTHERFORDTON, NC 28139-9309 |
| Document Number | 0020224901 |
|---|---|
| Date | Jun 7, 2019 |
| Book Page | 002022/004901 |
| Name | HOMETRUST BK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802-0010 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 6, 2049 |
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 | $309,000 Land $34,500 Building $274,500 | $309,000 Land $34,500 Building $274,500 | |
| 2022 | $1,360.00 | ||
| 2021 | $1,360.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 77% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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