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

Rutherford County property record for 520 E Main St, Forest City, NC 28043

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,312 sqft · built 1915
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (May 2019)
Tax Bill	$1,973 (2022)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1623984`

Property Details

APN / Parcel Number

Primary APN	`1623984`
Alternative APN	`36678`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,312 sqft Heated Area
Utility Area	240 sqft
Utility Room	Utility Room
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	54,014 sqft (1.24 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	748 sqft
Deck Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Forced Air

Location & Zoning

Account Number	36678
Street Address	520 E MAIN ST
City	FOREST CITY
State	NC
Zip	28043-3229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OI
Legal Description	GPIN:1548089778100000; BLDG E MAIN ST
Legal Block	4
Legal Lot Number	4
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
Co-owner	Co-owner on Record
Mailing Address	520 E MAIN ST, FOREST CITY, NC 28043-3229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2019 · Amount on Record
Deed Sale	May 8, 2019 · Amount on Record
Prior Sale	Mar 24, 2006
Deed Document Number	0002022481
Deed Book / Page	2022 / 481
Record Updated	Jun 7, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 8, 2019
Property Address	520 E MAIN ST, FOREST CITY, NC 28043-3229
Document Number	0020220481
Book / Page	2022 / 0481
Instrument Date	May 8, 2019
Instrument	201800010294
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 E MAIN ST, 520, FOREST CITY, NC 28043-3229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E MAIN ST, FOREST CITY, NC 28043-3229

Mortgage

Document Number	201800010295
Date	May 8, 2019
Instrument	201800010295

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Index	5-Year TN
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	Forest City Town
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$288,000 Land $73,600 Building $214,400	$288,000 Land $73,600 Building $214,400
2022	$1,973.00
2021	$1,973.00

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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