331 Whitestone Cir, Union Mills, NC 28167 Property Records

Rutherford County property record for 331 Whitestone Cir, Union Mills, NC 28167

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,288 sqft · built 2012
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on Record
Last Sale	$77,000 (Jan 2013)
Tax Bill	$1,624 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1643882`

Property Details

APN / Parcel Number

Primary APN	`1643882`
Alternative APN	`50989`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,923 sqft (1.72 acres)
Garage Type	Carport
Garage Area	816 sqft
Carport	Carport
Carport Area	816 sqft
Porch	Slab
Porch Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	331 WHITESTONE CIR
City	UNION MILLS
State	NC
Zip	28167-4502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTHSTONE RIDGE LO:87 PH:3 PL:28-163
Legal Subdivision	HEATHSTONE RIDGE
Legal Lot Number	87
Jurisdiction	RUTHERFORD NC
Township / Civil Division	GILKEY
Census Block Group	2
Census Block	2043
Census Tract	960201

Owner

Source: Rutherford County records, as of December 10, 2025

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 WHITESTONE CIR, UNION MILLS, NC 28167-4502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 28, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Sep 1, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2013 · Amount on Record
Deed Sale	Jan 4, 2013 · Amount on Record
Deed Document Number	2013201200006362
Deed Book / Page	1056 / 49
Last Transfer Date	May 14, 2015
Transfer Doc	0011050445
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	331 WHITESTONE CIR, UNION MILLS, NC 28167-4502
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 WHITESTONE CIR, UNION MILLS, NC 28167-4502

Mortgage

Document Number	0020973035
Date	Nov 25, 2025
Book Page	2097/3035

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	331 WHITE STONE CIR, UNION MILLS, NC 28167-4502
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012420545
Date	Feb 28, 2017
Book Page	1242/545

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	331 WHITE STONE CIR, UNION MILLS, NC 28167-4502
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012570056
Date	Sep 1, 2017
Book Page	1257/056
Instrument	201700002116

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RUTHERFORDTON, NC 28139

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	331 WHITE STONE CIR, UNION MILLS, NC 28167-4502
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020422065
Date	Feb 10, 2021
Book Page	2042/2065

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Mar 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

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	$1,624.00 (+30.44%)	$270,400 (-) Land $53,900 Building $216,500	$270,400 (-) Land $53,900 Building $216,500
2023		$270,400 Land $53,900 Building $216,500	$270,400 Land $53,900 Building $216,500
2022	$1,245.00
2021	$1,245.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
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.

Wildfire

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

Wildfire Risk	Moderate above 56% of the US · above 78% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Carolina West Wireless Fixed Wireless	25 / 3
AT&T Fixed Wireless · DSL in parts of the area	25 / 3

May also be available: Skyrunner.

Nearby Properties on Whitestone Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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