Rutherford County property record for 643 Union Rd, Rutherfordton, NC 28139
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,650 sqft · built 1983 |
| Lot Size | 3.73 acres (162,479 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,498 (2025) |
| Deeds & Mortgages | Oct 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1403385 |
| Primary APN | 1403385 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,650 sqft Heated Area |
| Basement Area | 1,100 sqft |
| Unfinished Basement | 1,100 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 162,479 sqft (3.73 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 364 sqft |
| Patio Area | 364 sqft |
| Heating System | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 643 UNION RD |
|---|---|
| City | RUTHERFORDTON |
| State | NC |
| Zip | 28139-7459 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GPIN:1509009276190000; RES ST RD 1145 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 960501 |
643 Union Rd is owned and occupied by two individuals who acquired it in October 2026.
Source: Rutherford County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 643 UNION RD, RUTHERFORDTON, NC 28139-7459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 2, 2026 |
| Transfer Doc | 2107002814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Oct 2, 2026 |
| Property Address | 643 UNION RD, RUTHERFORDTON, NC 28139-7459 |
| Document Number | 2107002814 |
| Book / Page | 2107 / 2814 |
| Instrument Date | Oct 2, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 643 UNION RD, RUTHERFORDTON, NC 28139-7459 |
The 2025 property tax bill for 643 Union Rd was $1,498.
Source: Rutherford County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,498.00 | $224,100 Land $28,300 Building $195,800 | $224,100 Land $28,300 Building $195,800 |
| 2023 | $224,100 Land $28,300 Building $195,800 | $224,100 Land $28,300 Building $195,800 | |
| 2022 | $1,054.00 | ||
| 2021 | $1,054.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Union Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 643 Union Rd is moderate, ranking above 54% 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 54% of the US · above 76% 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| AT&T DSL | 100 / 20 |
May also be available: Spectrum, T-Mobile.
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