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291 E Main St, Spindale, NC 28160 Property Records

Rutherford County property record for 291 E Main St, Spindale, NC 28160 · Last verified September 2023

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details2 ba · 3,220 sqft · built 1925
Lot Size0.089 acres (3,920 sqft)
Owner2 Individual Names on File
Last Sale$32,000 (Dec 2018)
Tax Bill$420 (2022)
Deeds & MortgagesDec 2018 Sale & Line of Credit
Mar 2018 Sale
Flood ZoneZone X (minimal risk)
APN1203873

Property Details

APN / Parcel Number

Primary APN1203873
Alternative APN
  • 18259

Interior

Full Baths2 Baths
Stories1 Story
Building Area3,220 sqft Gross Area

Exterior

Year BuiltBuilt 1925
Exterior MaterialBrick Veneer
Foundation TypeConcrete
Roof MaterialTar & Gravel
Lot Area3,920 sqft (0.089 acres)

Utilities, Heating & Cooling

Cooling SystemFan Cooling
Heating SystemHeat Pump

Location & Zoning

Account Number18259
Street Address291 E MAIN ST
CitySPINDALE
StateNC
Zip28160-1573
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal DescriptionGPIN:1529128702400000; BLDG MAIN ST
Legal SubdivisionWARREN HAMRICK
Legal Block1
Legal Lot Number3
JurisdictionRUTHERFORD NC
Township / Civil DivisionRUTHERFORDTON
Census Block Group3
Census Block3045
Census Tract960600

Owner

Source: Rutherford County records · APN 1203873

Assessment roll updated January 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address481 N MAIN ST, RUTHERFORDTON, NC 28139-2421
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 21, 2018Warranty Deed, Construction Loan · Line of Credit
JOE W & JOYCE W WATERS
Mar 22, 2018Warranty Deed, Transfer
CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 21, 2018 · Amount on Record
Deed SaleDec 21, 2018 · Amount on Record
Prior SaleFeb 27, 2009 · Amount on Record
Deed Document Number0020183133
Deed Book / Page2018 / 3133
Record UpdatedJun 07, 2026

December 2018: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionRUTHERFORD NC
Recording DateDec 21, 2018
Property Address291 E MAIN ST, SPINDALE, NC 28160-1573
Document Number0020183133
Book / Page002018 / 003133
Instrument DateDec 21, 2018
Transaction TypeConstruction Loan
Record UpdatedJan 09, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$64.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address481 N MAIN ST RUTHERFORDTON NC 281392421, RUTHERFORDTON, NC 28139-2421

Mortgage

Document Number20183135
DateDec 21, 2018
Book Page002018/003135
Lender
NameJOE W & JOYCE W WATERS
Address178 WATKINS DR, FOREST CITY, NC 28043-8241
Special NotesSeller Financed
Agreement
TypeLine of Credit
AmountAmount Recorded
Term24 Months
DueDec 20, 2020
Interest
Rate TypeAdjustable Rate

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRUTHERFORD NC
Recording DateMar 22, 2018
Property Address291 E MAIN ST, SPINDALE, NC 28160-1573
Document Number0011700617
Book / Page001170 / 000617
Instrument DateMar 05, 2018
Instrument8589
Transaction TypeTransfer
Record UpdatedMar 29, 2018
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address178 WATKINS DR FOREST CITY NC 280438241, FOREST CITY, NC 28043-8241

Tax Assessment & Valuation

Source: Rutherford County records · Assessment roll updated January 1, 2023 · Last verified September 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyRutherford County
MunicipalitySpindale Town
Unified School DistrictRutherford County Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2023$34,700 Land $17,400 Building $17,300$34,700 Land $17,400 Building $17,300
2022$420.00
2021$420.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rutherford County (37161C), updated April 18, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskLow
above 32% of the US · above 43% of North Carolina
Wildfire LikelihoodAbout 1 in 3,448 per year
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Vyve BroadbandCable2,000 / 50
e-PolkFiber500 / 500
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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