496 E Main St, Forest City, NC 28043 Property Records

Rutherford County property record for 496 E Main St, Forest City, NC 28043

Property Summary

Property Type	Single Family Home
Details	2 bd · 513 sqft · built 1922
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2021)
Tax Bill	$735 (2022)
Deeds & Mortgages	Nov 2025 Second Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0424637`

Property Details

APN / Parcel Number

Primary APN	`0424637`
Alternative APNs	`424637` `8837`

Interior

Bedrooms	2 Beds
Stories	1 Story
Building Area	513 sqft Living Area
Gross Area	2,130 sqft
Flooring	Softwood
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Porch	Porch
Porch Area	274 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air

Location & Zoning

Account Number	8837
Old Parcel Number	0424637
Street Address	496 E MAIN ST
City	FOREST CITY
State	NC
Zip	28043-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OI
Legal Description	GPIN:1548089748560000; DAY CARE CENTER E MAIN ST
Legal Block	4
Legal Lot Number	7
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COOL SPRING
Census Block Group	5
Census Block	5006
Census Tract	960800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Main Street Historic District listed 2005 · 118 contributing resources · NRIS 05001450

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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
Mailing Address	496 E MAIN ST, FOREST CITY, NC 28043-3114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPERO FINANCIAL FCU
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC
Mar 2, 2021	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2021 · Amount on Record
Deed Sale	Mar 2, 2021 · Amount on Record
Deed Document Number	0020431595
Deed Book / Page	2043 / 1595
Record Updated	Jun 7, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	496 E MAIN ST, FOREST CITY, NC 28043-3114
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 E MAIN ST, FOREST CITY, NC 28043-3114

Mortgage

Document Number	0020970882
Date	Nov 12, 2025
Book Page	2097/882

Lender

Name	SPERO FINANCIAL FCU
Type	Credit Union
Address	GREENVILLE, SC 29601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 30, 2045

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	496 E MAIN ST, FOREST CITY, NC 28043-3114
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020551568
Date	Dec 21, 2021
Book Page	2055/1568

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	ATLANTA, GA 30361

Agreement

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

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 2, 2021
Property Address	496 E MAIN ST, FOREST CITY, NC 28043-3114
Document Number	0020431595
Book / Page	2043 / 1595
Instrument Date	Feb 22, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 E MAIN ST, FOREST CITY, NC 28043-3114

Mortgage

Document Number	0020431597
Date	Mar 2, 2021
Book Page	2043/1597

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

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
2023		$83,600 Land $31,200 Building $52,400	$83,600 Land $31,200 Building $52,400
2022	$735.00
2021	$735.00

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

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

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Vyve Broadband Cable	2,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Pangaea Internet.

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