Rutherford County property record for 554 Spindale St, Spindale, NC 28160
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1922 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jul 2021) |
| Tax Bill | $852 (2022) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage May 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1210008 |
| Primary APN | 1210008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 952 sqft Heated Area |
| Flooring | Wood |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Porch | Open Porch |
| Porch Area | 416 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 20274 |
|---|---|
| Street Address | 554 SPINDALE ST |
| City | SPINDALE |
| State | NC |
| Zip | 28160-1610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | MITCHELL COMPANY LO1204 PL5-129 |
| Legal Subdivision | MITCHELL CO |
| Legal Block | 3 |
| Legal Lot Number | 1204 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 960600 |
Source: Rutherford County records · APN 1210008
Assessment roll updated January 1, 2023 · Last verified September 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 File |
|---|---|
| Mailing Address | 554 SPINDALE ST, SPINDALE, NC 28160-1610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| May 14, 2018 | Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR |
| Jul 14, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on Record |
| Deed Sale | Jul 30, 2021 · Amount on Record |
| Prior Sale | May 14, 2018 · Amount on Record |
| Deed Document Number | 0020492390 |
| Deed Book / Page | 2049 / 2390 |
| Record Updated | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Jul 30, 2021 |
| Property Address | 554 SPINDALE ST, SPINDALE, NC 28160-1610 |
| Document Number | 0020492390 |
| Book / Page | 2049 / 2390 |
| Map Reference | MB 5 PG 129 |
| Instrument Date | Jul 28, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 242 EASTWOOD VILLAGE DR, 242, BOSTIC, NC 28018-8745 |
| Name | Verified Name |
|---|---|
| Address | 554 SPINDALE ST, SPINDALE, NC 28160-1610 |
| Document Number | 0020492392 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2049/2392 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | May 14, 2018 |
| Property Address | 554 SPINDALE ST, SPINDALE, NC 28160-1610 |
| Document Number | 0020030324 |
| Book / Page | 002003 / 000324 |
| Instrument Date | May 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $114.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 134 CISCO LN FOREST CITY NC 280437700, FOREST CITY, NC 28043-7700 |
| Document Number | 20030326 |
|---|---|
| Date | May 14, 2018 |
| Book Page | 002003/000326 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 13, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Jul 14, 2017 |
| Property Address | 554 SPINDALE ST, SPINDALE, NC 28160-1610 |
| Document Number | 0011540431 |
| Book / Page | 001154 / 000431 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 382 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $59.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 2317 KINGS MOUNTAIN NC 280866317, KINGS MOUNTAIN, NC 28086-6317 |
Source: Rutherford County records · Assessment roll updated January 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Spindale Town |
| Unified School District | Rutherford County Schools (PK - 12) |
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 |
|---|---|---|---|
| 2023 | $108,500 Land $11,000 Building $97,500 | $108,500 Land $11,000 Building $97,500 | |
| 2022 | $852.00 | ||
| 2021 | $852.00 |
Source: FEMA National Flood Hazard Layer, Rutherford County (37161C), as of April 18, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371619606001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T.
Based on FCC filings for 160 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NC0181035, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BROAD RIVER WATER AUTHORITY serves 19,136 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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