511 Spindale St, Spindale, NC 28160 Property Records

Rutherford County property record for 511 Spindale St, Spindale, NC 28160 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft · built 1922
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$9,500 (Apr 2016)
Tax Bill	$1,487 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1204698`

Property Details

APN / Parcel Number

Primary APN	`1204698`
Alternative APN	`18814`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,128 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Porch	Slab
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 SPINDALE ST
City	SPINDALE
State	NC
Zip	28160-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KS TANNER LO:175TO177 PL:4-44
Legal Subdivision	K S TANNER SUBDIVISION
Legal Lot Number	175TO17
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1046
Census Tract	960600

Owner

Source: Rutherford County records · APN 1204698

Assessment roll updated August 29, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	511 SPINDALE ST, SPINDALE, NC 28160-1609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2016 · Amount on Record
Deed Sale	Apr 14, 2016 · Amount on Record
Prior Sale	Oct 16, 2003 · Amount on Record
Deed Document Number	20164738040002
Deed Book / Page	1124 / 712
Last Transfer Date	Jul 19, 2021
Transfer Doc	0020491249
Record Updated	Jun 08, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Jul 26, 2021
Property Address	511 SPINDALE ST, SPINDALE, NC 28160-1609
Document Number	0020491249
Book / Page	2049 / 1249
Map Reference	MB 4 PG 44
Instrument Date	Jul 19, 2021
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SPINDALE ST, SPINDALE, NC 28160-1609

Mortgage

Document Number	0020491252
Date	Jul 26, 2021
Instrument	2049/1252

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Rutherford County records · Assessment roll updated August 29, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,487.00 (+72.91%)	$111,100 (-) Land $10,000 Building $101,100	$111,100 (-) Land $10,000 Building $101,100
2023		$111,100 Land $10,000 Building $101,100	$111,100 Land $10,000 Building $101,100
2022	$860.00
2021	$860.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rutherford County (37161C), updated April 18, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371619606001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Indirect within ember reach

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.