392 Spindale St, Spindale, NC 28160 Property Records

Rutherford County property record for 392 Spindale St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,824 sqft · built 1923
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$184,000 (Mar 2023)
Tax Bill	$888 (2022)
Deeds & Mortgages	Mar 2023 Sale & Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1200924`

Property Details

APN / Parcel Number

Primary APN	`1200924`
Alternative APN	`16958`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,824 sqft Heated Area
Gross Area	1,680 sqft
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2000
Architectural Style	Split Level
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	352 sqft
Deck Area	228 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	16958
Street Address	392 SPINDALE ST
City	SPINDALE
State	NC
Zip	28160-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	SPINNERS PROCESSING CO LO8 PL5-135
Legal Subdivision	SPINNERS PROCESSING CO
Legal Block	3
Legal Lot Number	8
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1050
Census Tract	960600

Owner

392 Spindale St is owned and occupied by an individual who bought it in March 2023.

Source: Rutherford County records, as of September 13, 2023

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

Owner of Record	Individual Name on File
Mailing Address	392 SPINDALE ST, SPINDALE, NC 28160-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Warranty Deed, Transfer · Conventional Mortgage ALLY BANK
May 31, 2022	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2023 · Amount on File
Deed Sale	Mar 3, 2023 · Amount on File
Prior Sale	May 31, 2022 · Amount on File
Deed Document Number	0020693692
Deed Book / Page	2069 / 3692
Record Updated	Jun 7, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 3, 2023
Property Address	392 SPINDALE ST, SPINDALE, NC 28160-1606
Document Number	0020693692
Book / Page	2069 / 3692
Map Reference	MB 5 PG 135
Instrument Date	Feb 19, 2023
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3799 S 26TH ST, ROGERS, AR 72758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 SPINDALE ST, SPINDALE, NC 28160-1606

Mortgage

Document Number	0020693695
Date	Mar 3, 2023
Instrument	2069/3695

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 31, 2022
Property Address	392 SPINDALE ST, SPINDALE, NC 28160-1606
Document Number	0020611448
Book / Page	2061 / 1448
Map Reference	MB 1023 PG 425
Instrument Date	May 31, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 GALAX RD, 123, SPINDALE, NC 28160-2244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 SPINDALE ST, SPINDALE, NC 28160-1606

Mortgage

Document Number	0020611451
Date	May 31, 2022
Instrument	2061/1451

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jun 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

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
2023		$236,400 Land $9,500 Building $226,900	$236,400 Land $9,500 Building $226,900
2022	$888.00
2021	$888.00

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

Flood

FEMA maps place 392 Spindale St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 392 Spindale St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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 160 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
Starlink Satellite	280 / 30

May also be available: AT&T.

Nearby Properties on Spindale St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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