827 Terry Rd, Ellenboro, NC 28040 Property Records

Rutherford County property record for 827 Terry Rd, Ellenboro, NC 28040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,172 sqft · built 2010
Lot Size	8.08 acres (351,965 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,250 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1647175`

Property Details

APN / Parcel Number

Primary APN	`1647175`
Alternative APN	`53521`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,172 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	351,965 sqft (8.08 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	400 sqft
Deck Area	480 sqft
Patio Area	496 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	827 TERRY RD
City	ELLENBORO
State	NC
Zip	28040-8670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:1660007021330000; RES TERRY RD
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COLFAX
Census Block Group	1
Census Block	1011
Census Tract	961001

Owner

Source: Rutherford County records, as of July 20, 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	827 TERRY RD, ELLENBORO, NC 28040-8670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 17, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 30, 2026	Intrafamily Transfer, Transfer · FHA Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026
Deed Sale	Jan 30, 2026
Deed Book / Page	2099 / 2016
Prior Transfer Date	Jan 26, 2026
Prior Transfer Doc	0020992016
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	827 TERRY RD, ELLENBORO, NC 28040-8670
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020670139
Date	Nov 21, 2022
Book Page	2067/139

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	827 TERRY RD, ELLENBORO, NC 28040-8670
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 TERRY RD, ELLENBORO, NC 28040-8670

Mortgage

Document Number	0020904067
Date	Apr 17, 2025
Book Page	2090/4067

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Dec 1, 2052

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Jan 30, 2026
Property Address	827 TERRY RD, ELLENBORO, NC 28040-8670
Document Number	0020992016
Book / Page	2099 / 2016
Instrument Date	Jan 26, 2026
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	827 TERRY RD, ELLENBORO, NC 28040-8670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 TERRY RD, ELLENBORO, NC 28040-8670

Mortgage

Document Number	0020992018
Date	Jan 30, 2026
Instrument	2099/2018

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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	$2,250.00 (+18.98%)	$345,200 (-) Land $40,300 Building $304,900	$345,200 (-) Land $40,300 Building $304,900
2023		$345,200 Land $40,300 Building $304,900	$345,200 Land $40,300 Building $304,900
2022	$1,891.00
2021	$1,891.00

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 46% of the US · above 67% 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 40 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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