348 Ellington Dr, Spindale, NC 28160 Property Records

Rutherford County property record for 348 Ellington Dr, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 1986
Lot Size	0.6 acres (26,136 sqft)
Owner	Company Name on File
Last Sale	$375,000 (Nov 2025)
Tax Bill	$3,454 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1601862`

Property Details

APN / Parcel Number

Primary APN	`1601862`
Alternative APN	`23776`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,716 sqft Heated Area
Basement Area	1,716 sqft
Finished Basement	716 sqft
Unfinished Basement	1,000 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	224 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	348 ELLINGTON DR
City	SPINDALE
State	NC
Zip	28160-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	GPIN:1529131479440000; 310 ELLINGTON ST
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2021
Census Tract	960503

Owner

348 Ellington Dr is owned by a company that bought it in November 2025.

Source: Rutherford County records, as of November 19, 2025

Owner of Record	Company Name on File
Mailing Address	1546 MAIL SERVICE CTR, RALEIGH, NC 27699-1500
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC
Aug 17, 2017	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2025 · Amount on File
Deed Sale	Nov 3, 2025 · Amount on File
Prior Sale	Aug 17, 2017 · Amount on File
Deed Book / Page	2096 / 4311
Prior Transfer Date	May 11, 2021
Prior Transfer Doc	0020461043
Record Updated	Jun 8, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	May 11, 2021
Property Address	348 ELLINGTON HTS, SPINDALE, NC 28160-1120
Document Number	0020461043
Book / Page	2046 / 1043
Instrument Date	May 6, 2021
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 ELLINGTON HTS, SPINDALE, NC 28160-1120

Mortgage

Document Number	0020461046
Date	May 11, 2021
Instrument	2046/1046

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 17, 2017
Property Address	348 ELLINGTON HTS, SPINDALE, NC 28160-1120
Document Number	0011560760
Book / Page	001156 / 000760
Instrument Date	Aug 17, 2017
Instrument	1607
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 ELLINGTON HTS SPINDALE NC 281601120, SPINDALE, NC 28160-1120

Mortgage

Document Number	12550802
Date	Aug 17, 2017
Book Page	001255/000802
Instrument	1608

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 348 Ellington Dr was $3,454.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,454.00	$290,600 Land $20,000 Building $270,600	$290,600 Land $20,000 Building $270,600
2023		$290,600 Land $20,000 Building $270,600	$290,600 Land $20,000 Building $270,600
2022	$2,392.00
2021	$2,392.00

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

Flood

FEMA maps place 348 Ellington Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 18, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 348 Ellington Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Pangaea Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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