491 Ivy Dr, Rutherfordton, NC 28139 Property Records

Rutherford County property record for 491 Ivy Dr, Rutherfordton, NC 28139

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,960 sqft · built 1973
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on Record
Last Sale	$423,500 (Jul 2022)
Tax Bill	$2,495 (2022)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1215265`

Property Details

APN / Parcel Number

Primary APN	`1215265`
Alternative APN	`21190`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,960 sqft Heated Area
Gross Area	2,864 sqft
Basement Area	1,432 sqft
Finished Basement	1,432 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,640 sqft (0.91 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	104 sqft
Deck Area	248 sqft
Patio Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	21190
Street Address	491 IVY DR
City	RUTHERFORDTON
State	NC
Zip	28139-3234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-2
Legal Description	FOREST HILLS LO17 PL8-25
Legal Block	8
Legal Lot Number	17
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	2
Census Block	2026
Census Tract	960501

Owner

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	491 IVY DR, RUTHERFORDTON, NC 28139-3234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 11, 2019	Intrafamily Transfer, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Jun 11, 2019
Deed Document Number	0020631996
Deed Book / Page	2063 / 1996
Record Updated	Jun 7, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jul 29, 2022
Property Address	491 IVY DR, RUTHERFORDTON, NC 28139-3234
Document Number	0020631996
Book / Page	2063 / 1996
Map Reference	MB 596 PG 183
Instrument Date	Jul 25, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$847.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	632 IVYWOOD PL, 632, BOILING SPRINGS, SC 29316-9340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 IVY DR, RUTHERFORDTON, NC 28139-3234

Mortgage

Document Number	0020631998
Date	Jul 29, 2022
Instrument	2063/1998

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 11, 2019
Property Address	491 IVY DR, RUTHERFORDTON, NC 28139-3234
Document Number	0020230353
Book / Page	2023 / 0353
Instrument Date	Jun 3, 2019
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 IVY DR, RUTHERFORDTON, NC 28139-3234

Mortgage

Document Number	0020230356
Date	Jun 11, 2019
Book Page	2023/0356

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$470,700 Land $31,200 Building $439,500	$470,700 Land $31,200 Building $439,500
2022	$2,495.00
2021	$2,495.00

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

Flood

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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.1% 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	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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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