633 Ledbetter Rd, Spindale, NC 28160 Property Records

Rutherford County property record for 633 Ledbetter Rd, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,024 sqft · built 1939
Lot Size	0.45 acres (19,602 sqft)
Owner	Company Name on Record
Last Sale	$110,000 (Oct 2025)
Tax Bill	$1,552 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1203668`

Property Details

APN / Parcel Number

Primary APN	`1203668`
Alternative APN	`18116`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,024 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Block
Roof Type	Hip
Roof Material	Tile
Lot Area	19,602 sqft (0.45 acres)
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	633 LEDBETTER RD
City	SPINDALE
State	NC
Zip	28160-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GPIN:1630171160890000; 1003 LEDBETTER RD
Legal Subdivision	SUBDIVISION OF THE OTIS RYCE LANDS
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	3
Census Block	3010
Census Tract	960600

Owner

Source: Rutherford County records, as of October 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1100 CHURCH ST, ELGIN, SC 29045-1300
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage VISTA POINT MORTGAGE LLC
Oct 29, 2025	Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Deed Book / Page	2096 / 3449
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	633 LEDBETTER RD, SPINDALE, NC 28160-2056
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 DRIFTWOOD AVE, ELGIN, SC 29045-8537

Mortgage

Document Number	0020993403
Date	Feb 12, 2026
Book Page	2099/3403

Lender

Name	VISTA POINT MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 29, 2025
Property Address	633 LEDBETTER RD, SPINDALE, NC 28160-2056
Document Number	0020963449
Book / Page	2096 / 3449
Map Reference	MB 2 PG 87
Instrument Date	Jul 15, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6738 CARRADALE WAY, CHARLOTTE, NC 28278-7766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 CHURCH ST, ELGIN, SC 29045-1300

Mortgage

Document Number	0020963452
Date	Oct 29, 2025
Instrument	2096/3452

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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
2025	$1,552.00 (+63.2%)	$117,000 (-) Land $12,000 Building $105,000	$117,000 (-) Land $12,000 Building $105,000
2023		$117,000 Land $12,000 Building $105,000	$117,000 Land $12,000 Building $105,000
2022	$951.00
2021	$951.00

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	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.09% 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	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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Pangaea Internet Fiber	500 / 500
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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