398 Harmon Rd, Ellenboro, NC 28040 Property Records

Rutherford County property record for 398 Harmon Rd, Ellenboro, NC 28040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,339 sqft · built 1995
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Sep 2014)
Tax Bill	$1,613 (2022)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1646557`

Property Details

APN / Parcel Number

Primary APN	`1646557`
Alternative APN	`53046`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,339 sqft Heated Area
Attic Area	624 sqft
Flooring	Carpet
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Split Level
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	53046
Street Address	398 HARMON RD
City	ELLENBORO
State	NC
Zip	28040-9637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:1568027911210000; RES PT LT 19 20-21 BLANTON RIDGE BLANTON RIDGE S/D
Legal Subdivision	BLANTON RDG
Legal Block	2
Legal Lot Number	77
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COLFAX
Census Block Group	3
Census Block	3014
Census Tract	961001

Owner

398 Harmon Rd is owned and occupied by two individuals who bought it in September 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	398 HARMON RD, ELLENBORO, NC 28040-9637
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 17, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Apr 16, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2014 · Amount on File
Deed Sale	Sep 29, 2014 · Amount on File
Prior Sale	Jan 7, 2014 · Amount on File
Deed Document Number	0001092383
Deed Book / Page	1092 / 383
Record Updated	Jun 7, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	398 HARMON RD, ELLENBORO, NC 28040-9637
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 HARMON RD, ELLENBORO, NC 28040-9637

Mortgage

Document Number	0020614732
Date	Jun 17, 2022
Book Page	2061/4732

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 16, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	398 HARMON RD, ELLENBORO, NC 28040-9637
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020524523
Date	Oct 25, 2021
Book Page	2052/4523

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	398 HARMON RD, ELLENBORO, NC 28040-9637
Document Number	0020214801
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	May 17, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 HARMON RD ELLENBORO NC 280409637, ELLENBORO, NC 28040-9637

Mortgage

Document Number	0020214801
Date	May 3, 2019
Book Page	002021/004801

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2023		$327,000 Land $17,500 Building $309,500	$327,000 Land $17,500 Building $309,500
2022	$1,613.00
2021	$1,613.00

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

Flood

FEMA maps place 398 Harmon Rd 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 398 Harmon Rd is low, with a 0.08% annual chance of wildfire.

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.

Internet Providers

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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