620 Spindale St, Spindale, NC 28160 Property Records

Rutherford County property record for 620 Spindale St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 980 sqft · built 1928
Lot Size	0.91 acres (39,640 sqft)
Owner	Company Name on Record
Last Sale	$43,000 (Jul 2023)
Tax Bill	$686 (2022)
Deeds & Mortgages	May 2022 Second Mortgage Jul 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1203730`

Property Details

APN / Parcel Number

Primary APN	`1203730`
Alternative APN	`18147`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	980 sqft Heated Area
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1966
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,640 sqft (0.91 acres)
Porch	Open Porch
Porch Area	278 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	18147
Street Address	620 SPINDALE ST
City	SPINDALE
State	NC
Zip	28160-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	PH GROSE FARM LO5 PL4-30
Legal Block	1
Legal Lot Number	5
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1007
Census Tract	960600

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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	79 CLEAR OAK RD, HENDERSONVILLE, NC 28792-7904
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REAL ESTATE TRUSTEE LLC
Jul 12, 2023	Warranty Deed, Transfer
May 25, 2023	Trustee's Deed, Foreclosure
Nov 9, 2021	Warranty Deed, Transfer · Stand-Alone Second Mortgage REAL ESTATE TRUSTEE LLC
Nov 20, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	May 25, 2023 · Amount on Record
Deed Document Number	0020731708
Deed Book / Page	2073 / 1708
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	620 SPINDALE ST, SPINDALE, NC 28160-1612
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 SPINDALE ST, SPINDALE, NC 28160-1612

Mortgage

Document Number	0020603002
Date	May 10, 2022
Book Page	2060/3002

Lender

Name	REAL ESTATE TRUSTEE LLC
Type	Non-Lending Institution
Address	CHARLOTTE, NC 28204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	74 Months
Due	Jul 1, 2028

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jul 12, 2023
Property Address	620 SPINDALE ST, SPINDALE, NC 28160-1612
Document Number	0020731708
Book / Page	2073 / 1708
Map Reference	MB 117 PG 50
Instrument Date	Jul 12, 2023
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Amount	Amount Recorded
Tax	$86.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5009 BEATTIES FORD RD # RD107-34, RD107-34, CHARLOTTE, NC 28216-2859

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 CLEAR OAK RD, HENDERSONVILLE, NC 28792-7904

May 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 25, 2023
Property Address	620 SPINDALE ST, SPINDALE, NC 28160-1612
Document Number	0020720429
Book / Page	2072 / 429
Map Reference	MB 117 PG 50
Instrument Date	May 12, 2023
Transaction Type	Foreclosure
Record Updated	Sep 14, 2023

Transaction

Amount	Amount Recorded
Tax	$81.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Default

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 BEATTIES FORD RD # 107-34, 107-34, CHARLOTTE, NC 28216-2835

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Nov 9, 2021
Property Address	620 SPINDALE ST, SPINDALE, NC 28160-1612
Document Number	0020532703
Book / Page	2053 / 2703
Map Reference	MB 117 PG 50
Instrument Date	Jul 29, 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	$78.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 SPINDALE ST, SPINDALE, NC 28160-1612

Mortgage

Document Number	0020532706
Date	Nov 9, 2021
Instrument	2053/2706

Lender

Name	REAL ESTATE TRUSTEE LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	80 Months
Due	Jul 1, 2028

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Nov 20, 2020
Property Address	620 SPINDALE ST, SPINDALE, NC 28160-1612
Document Number	0020392961
Book / Page	002039 / 002961
Instrument Date	Nov 17, 2020
Instrument	5940
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$30.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 HAWTHORNE LN #110-251 CHARLOTTE NC 282042484, 110-25, CHARLOTTE, NC 28204-2484
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$84,500 Land $12,000 Building $72,500	$84,500 Land $12,000 Building $72,500
2022	$686.00
2021	$686.00

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	1 in force

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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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