628 Evans Edwards Rd, Ellenboro, NC 28040 Property Records

Rutherford County property record for 628 Evans Edwards Rd, Ellenboro, NC 28040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,423 sqft · built 2008
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,011 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1644858`

Property Details

APN / Parcel Number

Primary APN	`1644858`
Alternative APN	`51774`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,423 sqft Heated Area
Basement Area	1,857 sqft
Unfinished Basement	1,857 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	67,082 sqft (1.54 acres)
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	426 sqft
Deck Area	255 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	628 EVANS EDWARDS RD
City	ELLENBORO
State	NC
Zip	28040-8789
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:1589007813870000; RES DAVIS PB28 PG359
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COLFAX
Census Block Group	1
Census Block	1021
Census Tract	961002

Owner

628 Evans Edwards Rd is owned and occupied by two individuals who acquired it in November 2007.

Source: Rutherford County records, as of August 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	628 EVANS EDWARDS RD, ELLENBORO, NC 28040-8789
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jan 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE OZARKS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 15, 2007
Transfer Doc	0009480699
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	628 EVAN EDWARDS RD, ELLENBORO, NC 28040-8789
Document Number	0020191322
Instrument Date	Dec 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 EVAN EDWARDS RD ELLENBORO NC 280408789, ELLENBORO, NC 28040-8789

Mortgage

Document Number	0020191322
Date	Jan 15, 2019
Book Page	002019/001322

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	628 EVAN EDWARDS RD, ELLENBORO, NC 28040-8789
Document Number	0012720046
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 EVAN EDWARDS RD ELLENBORO NC 280408789, ELLENBORO, NC 28040-8789

Mortgage

Document Number	0012720046
Date	Apr 6, 2018
Book Page	001272/000046
Instrument	9098

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	628 EVAN EDWARDS RD, ELLENBORO, NC 28040-8789
Document Number	0012400718
Book / Page	001240 / 000718
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	628 EVAN EDWARDS RD ELLENBORO NC 280408789, ELLENBORO, NC 28040-8789

Mortgage

Document Number	0012400718
Date	Feb 2, 2017
Book Page	001240/000718
Instrument	7222

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	LITTLE ROCK, AR 72223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 628 Evans Edwards Rd was $4,011.

Source: Rutherford County assessment roll, as of August 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,011.00	$646,600 Land $16,200 Building $630,400	$646,600 Land $16,200 Building $630,400
2023		$646,600 Land $16,200 Building $630,400	$646,600 Land $16,200 Building $630,400
2022	$2,993.00
2021	$2,993.00

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

Flood

FEMA maps place 628 Evans Edwards Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 628 Evans Edwards Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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