490 Vance St, Forest City, NC 28043 Property Records

Rutherford County property record for 490 Vance St, Forest City, NC 28043

Property Summary

Property Type	Commercial
Details	1 ba · 60,000 sqft · built 1967
Lot Size	11.2 acres (490,050 sqft)
Owner	Company Name on File
Last Sale	$1,750,000 (May 2019)
Tax Bill	$15,602 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0432582`

Property Details

APN / Parcel Number

Primary APN	`0432582`
Alternative APNs	`432582` `11416`

Interior

Full Baths	1 Bath
Half Baths	2 Half Baths
Stories	1 Story
Building Area	60,000 sqft Gross Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Metal
Roof Type	Gable
Lot Area	490,050 sqft (11.2 acres)
Porch	Slab
Porch Area	48 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	490 VANCE ST
City	FOREST CITY
State	NC
Zip	28043-2958
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	M1
Legal Subdivision	CECIL RAY PRICE ETAL
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COOL SPRING
Census Block Group	2
Census Block	2001
Census Tract	960700

Owner

490 Vance St, a commercial property, is owned by a company that bought it in May 2019.

Source: Rutherford County records, as of June 24, 2026

Owner of Record	Company Name on File
Mailing Address	15105 JOHN J DELANEY DR, D, CHARLOTTE, NC 28277-2848
Owner Type	Company
Vesting	Limited Liability Partnership

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 9, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
May 8, 2026	Special Warranty Deed, Transfer · Line of Credit NONE LISTED ON DOCUMENT
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 31, 2019	Grant Deed, Transfer ATTORNEY ONLY
May 31, 2019	Grant Deed, Transfer NEWTEK SMALL BUSN FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Prior Sale	Jun 18, 2013 · Amount on File
Deed Document Number	2019201800011083
Deed Book / Page	2022 / 3603
Prior Transfer Date	Jun 14, 2013
Prior Transfer Doc	0010650660
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 9, 2026
Property Address	490 VANCE ST, FOREST CITY, NC 28043-2958
Document Number	2103003055
Book / Page	2103 / 3055
Instrument Date	Jun 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	15105 JOHN J DELANEY DR, D, CHARLOTTE, NC 28277-2848

Mortgage

Document Number	2103003055,
Date	Jun 9, 2026
Book Page	2103/3055

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 8, 2026
Property Address	490 VANCE ST, FOREST CITY, NC 28043-2958
Document Number	2102002584
Book / Page	2102 / 2584
Instrument Date	May 8, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	15105 JOHN J DELANEY DR, CHARLOTTE, NC 28277-2847

Mortgage

Document Number	2102002588,
Date	May 8, 2026
Book Page	2102/2588

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	490 VANCE ST, FOREST CITY, NC 28043-2958
Transaction Type	Mortgage
Record Updated	Apr 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020794197
Date	Mar 15, 2024
Book Page	2079/4197

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 31, 2019
Property Address	486 VANCE ST, FOREST CITY, NC 28043-2958
Document Number	0020223606
Book / Page	002022 / 003606
Instrument Date	May 30, 2019
Instrument	11084
Transaction Type	Transfer
Record Updated	Jun 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9935-D 433RD CHARLOTTE NC 28277, CHARLOTTE, NC 28277

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 31, 2019
Property Address	486 VANCE ST, FOREST CITY, NC 28043-2958
Document Number	0020223603
Book / Page	002022 / 003603
Instrument Date	May 30, 2019
Instrument	11083
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9935D REA RD #433 CHARLOTTE NC 282776710, 433, CHARLOTTE, NC 28277-6710

Mortgage

Document Number	20223609
Date	May 31, 2019
Book Page	002022/003609
Instrument	11085

Lender

Name	NEWTEK SMALL BUSN FIN
Type	Funding / Finance Company
Address	1981 MARCUS AVE # 130, NEW HYDE PARK, NY 11042-1046

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 30, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 490 Vance St was $15,602.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,602.00	$1,368,100 Land $181,600 Building $1,186,500	$1,368,100 Land $181,600 Building $1,186,500
2023		$1,368,100 Land $181,600 Building $1,186,500	$1,368,100 Land $181,600 Building $1,186,500
2022	$11,374.00
2021	$11,374.00

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

Flood

FEMA maps place 490 Vance St 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 490 Vance St is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 65% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FOREST CITY serves 21,521 people · EPA ID NC0181010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 45 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
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Pangaea Internet.

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