971 Centennial Rd, Union Mills, NC 28167 Property Records

Rutherford County property record for 971 Centennial Rd, Union Mills, NC 28167 · Last verified April 2024

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,888 sqft · built 1978
Lot Size	2.07 acres (90,605 sqft)
Owner	Individual Name on File
Last Sale	$323,500 (Mar 2024)
Tax Bill	$8 (2022)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0119933`

Property Details

APN / Parcel Number

Primary APN	`0119933`
Alternative APNs	`119933` `361`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,888 sqft Heated Area
Flooring	Carpet
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	90,605 sqft (2.07 acres)
Porch	Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	361
Old Parcel Number	0119933
Street Address	971 CENTENNIAL RD
City	UNION MILLS
State	NC
Zip	28167-9781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	971 CENTENNIAL RD
Legal Subdivision	CAMP CREEK
Legal Tract	1
Legal Block	1
Legal Lot Number	11D
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CAMP CREEK
Census Block Group	2
Census Block	2025
Census Tract	960102

Owner

Source: Rutherford County records · APN 0119933

Assessment roll updated January 1, 2023 · Last verified April 2024

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
Co-owner	Verified Secondary Owner
Mailing Address	971 CENTENNIAL RD, UNION MILLS, NC 28167-9781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Warranty Deed, Transfer · Conventional Mortgage ACOPIA LLC
Mar 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHAMPION CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Prior Sale	Oct 24, 2014 · Amount on Record
Deed Document Number	0020801033
Deed Book / Page	2080 / 1033
Record Updated	Jun 07, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 28, 2024
Property Address	971 CENTENNIAL RD, UNION MILLS, NC 28167-9781
Document Number	0020801033
Book / Page	2080 / 1033
Map Reference	MB 10 PG 3
Instrument Date	Mar 21, 2024
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$647.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 S VINEYARD VILLAGE DR, OLD FORT, NC 28762-0780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 CENTENNIAL RD, UNION MILLS, NC 28167-9781

Mortgage

Document Number	0020801038
Date	Mar 28, 2024
Instrument	2080/1038

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	971 CENTENNIAL RD, UNION MILLS, NC 28167-9781
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020431188
Date	Mar 01, 2021
Book Page	2043/1188

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Rutherford County records · Assessment roll updated January 1, 2023 · Last verified April 2024

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

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
2023		$171,100 Land $20,000 Building $151,100	$171,100 Land $20,000 Building $151,100
2022	$8.00 (-99.03%)
2021	$824.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rutherford County (37161C), updated April 18, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 80% of North Carolina
Wildfire Likelihood	About 1 in 610 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 23 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
North Carolina RSA 3 Cellular Telephone Company	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Skyrunner, Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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