Rutherford County property record for 645 River Rd, Rutherfordton, NC 28139
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,502 sqft · built 2001 |
| Lot Size | 5.4 acres (235,660 sqft) |
| Owner | Trust Name on File |
| Last Sale | $325,000 (Dec 2003) |
| Tax Bill | $2,750 (2022) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1629086 |
| Primary APN | 1629086 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,502 sqft Heated Area |
| Gross Area | 4,194 sqft |
| Basement Area | 1,692 sqft |
| Finished Basement | 1,692 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 235,660 sqft (5.4 acres) |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 909 sqft |
| Deck Area | 16 sqft |
| Patio Area | 31 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 40032 |
|---|---|
| Street Address | 645 RIVER RD |
| City | RUTHERFORDTON |
| State | NC |
| Zip | 28139-9316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GPIN:0680008206240000; RES LT 4 SEC 1 PROVIDENCE HGTS |
| Legal Subdivision | PROVIDENCE HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | GREEN HILL |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 960203 |
645 River Rd is owner-occupied and held in a trust since December 2003.
Source: Rutherford County records, as of September 13, 2023
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 645 RIVER RD, RUTHERFORDTON, NC 28139-9316 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2003 · Amount on File |
| Deed Sale | Dec 22, 2003 · Amount on File |
| Deed Document Number | 0000848322 |
| Record Updated | Jun 7, 2026 |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $601,400 Land $66,500 Building $534,900 | $601,400 Land $66,500 Building $534,900 | |
| 2022 | $2,750.00 | ||
| 2021 | $2,750.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 River Rd in Zone X, an area of minimal flood risk.
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 |
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 645 River Rd is moderate, ranking above 48% 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 48% of the US · above 70% 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
May also be available: Verizon.
4G LTE (outdoors only), no 5G reported
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