732 Spindale St, Spindale, NC 28160 Property Records

Rutherford County property record for 732 Spindale St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,164 sqft · built 1953
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Oct 2023)
Tax Bill	$1,978 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1211629`

Property Details

APN / Parcel Number

Primary APN	`1211629`
Alternative APN	`20708`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,164 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Mixed
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C

Location & Zoning

Street Address	732 SPINDALE ST
City	SPINDALE
State	NC
Zip	28160-1614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	P H GROSE FARM LO:15 PL:4-30
Legal Lot Number	15
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1007
Census Tract	960600

Owner

Source: Rutherford County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	732 SPINDALE ST, SPINDALE, NC 28160-1614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Deed Book / Page	2076 / 1157
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 30, 2023
Property Address	732 SPINDALE ST, SPINDALE, NC 28160-1614
Document Number	0020761157
Book / Page	2076 / 1157
Map Reference	MB 263 PG 376
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Nov 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1740 BABER RD, RUTHERFORDTON, NC 28139-8418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 SPINDALE ST, SPINDALE, NC 28160-1614

Mortgage

Document Number	0020761161
Date	Oct 30, 2023
Instrument	2076/1161

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0020761173
Date	Oct 30, 2023
Book Page	2076/1173

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second 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	$1,978.00 (+125.28%)	$155,900 (+31.67%) Land $12,000 Building $143,900	$155,900 (+31.67%) Land $12,000 Building $143,900
2023		$118,400 Land $12,000 Building $106,400	$118,400 Land $12,000 Building $106,400
2022	$878.00
2021	$878.00

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 · 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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 66% 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.

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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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