Rutherford County property record for 686 Spindale St, Spindale, NC 28160 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1999 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,757 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1632974 |
| Primary APN | 1632974 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Heated Area |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Deck Area | 80 sqft |
| Patio Area | 104 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Street Address | 686 SPINDALE ST |
|---|---|
| City | SPINDALE |
| State | NC |
| Zip | 28160-1612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GPIN:1620168209360000; SPINDALE STREET |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | RUTHERFORDTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 960600 |
Source: Rutherford County records · APN 1632974
Assessment roll updated August 29, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 686 SPINDALE ST, SPINDALE, NC 28160-1612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Rutherford County records · Assessment roll updated August 29, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Spindale Town |
| Unified School District | Rutherford County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,757.00 (+56.18%) | $135,700 (-) Land $11,000 Building $124,700 | $135,700 (-) Land $11,000 Building $124,700 |
| 2023 | $135,700 Land $11,000 Building $124,700 | $135,700 Land $11,000 Building $124,700 | |
| 2022 | $1,125.00 | ||
| 2021 | $1,125.00 |
Source: FEMA National Flood Hazard Layer, Rutherford County (37161C), updated April 18, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371619606001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,282 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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