Rutherford County property record for 397 Harmon Rd, Ellenboro, NC 28040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,538 sqft · built 1997 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $37,500 (Dec 1989) |
| Tax Bill | $1,700 (2022) |
| Deeds & Mortgages | Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1615511 |
| Primary APN | 1615511 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,538 sqft Heated Area |
| Utility Area | 725 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 435,600 sqft (10 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 45 sqft |
| Deck Area | 460 sqft |
| Patio Area | 460 sqft |
| Cooling System | Partial |
|---|---|
| Heating System | Forced Air |
| Account Number | 31115 |
|---|---|
| Street Address | 397 HARMON RD |
| City | ELLENBORO |
| State | NC |
| Zip | 28040-9637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GPIN:1568027935450000; RES. HARMON ROAD |
| Legal Block | 1 |
| Legal Lot Number | 2A |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | COLFAX |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 961001 |
Source: Rutherford County records, as of September 13, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 397 HARMON RD, ELLENBORO, NC 28040-9637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 1989 · Amount on Record |
| Deed Sale | Dec 22, 1989 · Amount on Record |
| Deed Document Number | 0000684224 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 397 HARMON RD, ELLENBORO, NC 28040-9637 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020282190 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 2028/2190 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 476 Months |
| Due | Aug 26, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $436,000 Land $70,900 Building $365,100 | $436,000 Land $70,900 Building $365,100 | |
| 2022 | $1,700.00 | ||
| 2021 | $1,700.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Pangaea Internet.
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