Rutherford County property record for 440 Harmon Rd, Ellenboro, NC 28040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,372 sqft · built 1954 |
| Lot Size | 1.26 acres (54,886 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (May 2012) |
| Tax Bill | $810 (2022) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0320381 |
| Primary APN | 0320381 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,372 sqft Heated Area |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 54,886 sqft (1.26 acres) |
| Porch | Porch |
| Porch Area | 234 sqft |
| Cooling System | Partial |
|---|---|
| Heating System | Forced Air |
| Account Number | 3963 |
|---|---|
| Old Parcel Number | 0320381 |
| Street Address | 440 HARMON RD |
| City | ELLENBORO |
| State | NC |
| Zip | 28040-7643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GPIN:1568027950000000; RES WEBB CREEK |
| Legal Subdivision | BLANTON RDG |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | COLFAX |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 961001 |
440 Harmon Rd is owned and occupied by an individual who bought it in May 2012.
Source: Rutherford County records, as of September 13, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 440 HARMON RD, ELLENBORO, NC 28040-7643 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2012 · Amount on File |
| Deed Sale | May 31, 2012 · Amount on File |
| Deed Document Number | 0001043813 |
| Deed Book / Page | 1043 / 813 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 440 HARMON RD, ELLENBORO, NC 28040-7643 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0020553818 |
|---|---|
| Date | Jan 4, 2022 |
| Book Page | 2055/3818 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
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 | $157,200 Land $18,300 Building $138,900 | $157,200 Land $18,300 Building $138,900 | |
| 2022 | $810.00 | ||
| 2021 | $810.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 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 risk around 440 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.
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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