Rutherford County property record for 314 John Smith Rd, Rutherfordton, NC 28139
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 2022 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Apr 2023) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1655596 |
| Primary APN | 1655596 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,288 sqft Heated Area |
| Flooring | Wood |
| Year Built | Built 2022 |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.339 acres) |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Deck Area | 120 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Street Address | 314 JOHN SMITH RD |
|---|---|
| City | RUTHERFORDTON |
| State | NC |
| Zip | 28139-9240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-3 |
| Legal Description | LOREV 1 PL44-69 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 960503 |
314 John Smith Rd is owned by an individual who bought it in April 2023.
Source: Rutherford County records, as of September 13, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| 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 |
|---|---|
| Last Sale | Apr 14, 2023 · Amount on File |
| Deed Sale | Apr 14, 2023 · Amount on File |
| Deed Document Number | 0020704639 |
| Deed Book / Page | 2070 / 4639 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Apr 14, 2023 |
| Property Address | 314 JOHN SMITH RD, RUTHERFORDTON, NC 28139-9240 |
| Document Number | 0020704639 |
| Book / Page | 2070 / 4639 |
| Map Reference | MB 44 PG 69 |
| Instrument Date | Apr 14, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 74 N GARDEN ST, MARION, NC 28752-4037 |
| Name | Verified Name |
|---|
| Document Number | 0020704643 |
|---|---|
| Date | Apr 14, 2023 |
| Book Page | 2070/4643 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.4% |
| Type Change Date | May 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.4% |
| Index | 5-Year TN |
| Max Rate | 11.4% |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Rutherfordton Town |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $230,000 Land $12,000 Building $218,000 | $230,000 Land $12,000 Building $218,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 John Smith Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 18, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 314 John Smith Rd is moderate, ranking above 43% 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 43% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Spectrum, Verizon.
5G (outdoors only) and 4G LTE
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