331 Black Rd, Ellenboro, NC 28040 Property Records

Rutherford County property record for 331 Black Rd, Ellenboro, NC 28040

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,260 sqft · built 1998
Lot Size	7.63 acres (332,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (May 2022)
Tax Bill	$1,400 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1620112`

Property Details

APN / Parcel Number

Primary APN	`1620112`
Alternative APN	`34244`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,260 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	332,363 sqft (7.63 acres)
Garage Type	Carport
Garage Area	450 sqft
Carport	Carport
Carport Area	450 sqft

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	120 sqft
Patio Area	684 sqft
Shed	1 Shed
Shed Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	331 BLACK RD
City	ELLENBORO
State	NC
Zip	28040-8718
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COLFAX
Census Block Group	1
Census Block	1023
Census Tract	961002

Owner

Source: Rutherford County records, as of June 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	331 BLACK RD, ELLENBORO, NC 28040-8718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
May 12, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 22, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Mar 22, 2018 · Amount on Record
Deed Book / Page	2060 / 3398
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 11, 2026
Property Address	331 BLACK RD, ELLENBORO, NC 28040-8718
Document Number	2103003439
Book / Page	2103 / 3439
Instrument Date	Apr 17, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 BLACK RD, ELLENBORO, NC 28040-8718

Mortgage

Document Number	2103003439,
Date	Jun 11, 2026
Book Page	2103/3439

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	May 1, 2066

Interest

Rate	6.22%
Max Rate	-1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 12, 2022
Property Address	331 BLACK RD, ELLENBORO, NC 28040-8718
Document Number	0020603398
Book / Page	2060 / 3398
Instrument Date	May 11, 2022
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	87 AMERICAN WAY DR, 87, OTTO, NC 28763-9029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 BLACK RD, ELLENBORO, NC 28040-8718

Mortgage

Document Number	0020603402
Date	May 12, 2022
Instrument	2060/3402

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 22, 2018
Property Address	331 BLACK RD, ELLENBORO, NC 28040-8718
Document Number	0011700672
Book / Page	1170 / 672
Instrument Date	Mar 22, 2018
Instrument	201700008616
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1805 DARK CORNER RD, 1805, RUTHERFORDTON, NC 28139-6772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 332, ELLENBORO, NC 28040-0332

Mortgage

Document Number	201700008617
Date	Mar 22, 2018
Instrument	201700008617

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,400.00 (+53.51%)	$199,500 (-) Land $33,500 Building $166,000	$199,500 (-) Land $33,500 Building $166,000
2023		$199,500 Land $33,500 Building $166,000	$199,500 Land $33,500 Building $166,000
2022	$912.00
2021	$912.00

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

Flood

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 500 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 68% 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.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Black Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures