Rutherford County property record for 285 Bridge Rd, Ellenboro, NC 28040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,790 sqft · built 2019 |
| Lot Size | 12.6 acres (550,598 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $56,000 (Oct 2017) |
| Tax Bill | $2,094 (2022) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1652203 |
| Primary APN | 1652203 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,790 sqft Heated Area |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 2019 |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 550,598 sqft (12.6 acres) |
| Porch | Open Porch |
| Porch Area | 672 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 57834 |
|---|---|
| Street Address | 285 BRIDGE RD |
| City | ELLENBORO |
| State | NC |
| Zip | 28040-8695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | COLFAX |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 961001 |
Source: Rutherford County records, as of September 13, 2023
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 325 BRIDGE RD, ELLENBORO, NC 28040-8694 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU |
| Mar 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Feb 23, 2022 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Jan 13, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2017 · Amount on Record |
| Deed Sale | Oct 27, 2017 · Amount on Record |
| Deed Document Number | 0001161449 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 285 BRIDGE RD, ELLENBORO, NC 28040-8695 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0020493665 |
|---|---|
| Date | Aug 6, 2021 |
| Book Page | 2049/3665 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | 24761 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 285 BRIDGE RD, ELLENBORO, NC 28040-8695 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020313455 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 2031/3455 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 285 BRIDGE RD, ELLENBORO, NC 28040-8695 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020572310 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 2057/2310 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | FOREST CITY, NC 28043 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Jan 13, 2020 |
| Property Address | 285 BRIDGE RD, ELLENBORO, NC 28040-8695 |
| Document Number | 0020292136 |
| Book / Page | 002029 / 002136 |
| Instrument Date | Jan 13, 2020 |
| Instrument | 7186 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $96.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 285 BRIDGE RD ELLENBORO NC 280408695, ELLENBORO, NC 28040-8695 |
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 | $431,000 Land $48,800 Building $382,200 | $431,000 Land $48,800 Building $382,200 | |
| 2022 | $2,094.00 | ||
| 2021 | $2,094.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CONCORD COMM WATER SYSTEM public/private · serves 1,867 people · EPA ID NC0181050 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Vyve Broadband Cable | 2,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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