958 Ferry Rd, Forest City, NC 28043 Property Records

Rutherford County property record for 958 Ferry Rd, Forest City, NC 28043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,252 sqft · built 1955
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Nov 2021)
Tax Bill	$655 (2022)
Deeds & Mortgages	Sep 2017 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0911401`

Property Details

APN / Parcel Number

Primary APN	`0911401`
Alternative APNs	`911401` `14279`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,252 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1988
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Porch	Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Forced Air

Location & Zoning

Account Number	14279
Old Parcel Number	0911401
Street Address	958 FERRY RD
City	FOREST CITY
State	NC
Zip	28043-9778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T C LOVELACE LO95-100 PL5-116
Legal Subdivision	TC LOVELACE PROP
Legal Block	1
Legal Lot Number	95,100
Jurisdiction	RUTHERFORD NC
Township / Civil Division	HIGH SHOALS
Census Block Group	1
Census Block	1015
Census Tract	961102

Owner

Source: Rutherford County records, as of September 13, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	958 FERRY RD, FOREST CITY, NC 28043-9778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2017	Deed of Trust, Mortgage FIRST CITIZENS BANK AND TRUST CO INC
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	0020541147
Deed Book / Page	2054 / 1147
Record Updated	Jun 7, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	958 FERRY RD, FOREST CITY, NC 28043-9778
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012570357
Date	Sep 8, 2017
Book Page	1257/357
Instrument	201700002323

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	RALEIGH, NC 27603

Agreement

Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Nov 29, 2021
Property Address	958 FERRY RD, FOREST CITY, NC 28043-9778
Document Number	0020541147
Book / Page	2054 / 1147
Map Reference	MB 5 PG 116
Instrument Date	Nov 29, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 383, HENRIETTA, NC 28076-0383

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 SUNSHINE LAKE RD, ELLENBORO, NC 28040-7649

Mortgage

Document Number	0020541149
Date	Nov 29, 2021
Instrument	2054/1149

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Dec 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

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
2023		$172,100 Land $18,000 Building $154,100	$172,100 Land $18,000 Building $154,100
2022	$655.00
2021	$655.00

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	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF FOREST CITY serves 21,521 people · EPA ID NC0181010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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