687 Dycus Rd, Ellenboro, NC 28040 Property Records

Rutherford County property record for 687 Dycus Rd, Ellenboro, NC 28040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,428 sqft · built 1950
Lot Size	4.36 acres (189,922 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,144 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1640480`

Property Details

APN / Parcel Number

Primary APN	`1640480`
Alternative APN	`48265`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,428 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	189,922 sqft (4.36 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	687 DYCUS RD
City	ELLENBORO
State	NC
Zip	28040-8646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:1670009460050000; RES DYCUS RD
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COLFAX
Census Block Group	1
Census Block	1009
Census Tract	961002

Owner

Source: Rutherford County records, as of January 20, 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	2 Individual Names on File
Mailing Address	687 DYCUS RD, ELLENBORO, NC 28040-8646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 15, 2017	Deed with Mortgage, Transfer PENNY JENKINS
Dec 4, 2017	Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 25, 2022
Transfer Doc	0020600069
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 27, 2022
Property Address	687 DYCUS RD, ELLENBORO, NC 28040-8646
Document Number	0020600069
Book / Page	2060 / 69
Instrument Date	Apr 25, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	687 DYCUS RD, 687, ELLENBORO, NC 28040-8646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	687 DYCUS RD, ELLENBORO, NC 28040-8646

Mortgage

Document Number	0000206074
Date	Apr 27, 2022
Instrument	2060/74

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

December 2017: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 15, 2017
Property Address	687 DYCUS RD, ELLENBORO, NC 28040-8646
Document Number	0011640561
Book / Page	001164 / 000561
Instrument Date	Dec 1, 2017
Instrument	5517
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	687 DYCUS RD ELLENBORO NC 28040, ELLENBORO, NC 28040

Mortgage

Document Number	11640561
Date	Dec 15, 2017
Book Page	001164/000561
Instrument	5517

Lender

Name	PENNY JENKINS
Address	721 WHITE JENKINS RD, BESSEMER CITY, NC 28016-7757
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Interest

Rate	4%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 4, 2017
Property Address	687 DYCUS RD, ELLENBORO, NC 28040-8646
Document Number	0011630821
Book / Page	001163 / 000821
Instrument Date	Dec 1, 2017
Instrument	5144
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 298 BOSTIC NC 280180298, BOSTIC, NC 28018-0298

Mortgage

Document Number	12630629
Date	Dec 4, 2017
Book Page	001263/000629
Instrument	5145

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

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	$1,144.00 (+28.97%)	$155,800 (-) Land $27,300 Building $128,500	$155,800 (-) Land $27,300 Building $128,500
2023		$155,800 Land $27,300 Building $128,500	$155,800 Land $27,300 Building $128,500
2022	$887.00
2021	$887.00

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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