120 Edgewater Trl, Lake Lure, NC 28746 Property Records

Rutherford County property record for 120 Edgewater Trl, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1979
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jan 2019)
Tax Bill	$5,280 (2025)
Deeds & Mortgages	Sep 2026 Sale Oct 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`0216714`

Property Details

APN / Parcel Number

Primary APN	`0216714`
Alternative APN	`216714`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,609 sqft (1.07 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	741 sqft
Patio Area	741 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	120 EDGEWATER TRL
City	LAKE LURE
State	NC
Zip	28746-9429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	GPIN:0654170176480000; RES LT 19 BALD MTN LAKE EAST
Legal Subdivision	BALD MOUNTAIN CLUB PROPERTY
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	2
Census Block	2048
Census Tract	960301

Owner

120 Edgewater Trl is owned and occupied by two individuals who acquired it in September 2026.

Source: Rutherford County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 EDGEWATER TRL, LAKE LURE, NC 28746-9429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 3, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Deed Document Number	201920190161
Deed Book / Page	2019 / 161
Last Transfer Date	Sep 18, 2026
Transfer Doc	2107001728
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 28, 2026
Property Address	120 EDGEWATER TRL, LAKE LURE, NC 28746-9429
Document Number	2107001728
Book / Page	2107 / 1728
Instrument Date	Sep 18, 2026
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	120 EDGEWATER TRL, LAKE LURE, NC 28746-9429

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	120 EDGEWATER TRL, LAKE LURE, NC 28746-9429
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020530408
Date	Oct 28, 2021
Book Page	2053/408

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jan 3, 2019
Property Address	120 EDGEWATER TRL, LAKE LURE, NC 28746-9429
Document Number	0020190161
Book / Page	2019 / 0161
Map Reference	PL 2
Instrument Date	Jan 3, 2019
Instrument	201920190161
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 RUNAWAY CIR, 322, PONTE VEDRA BEACH, FL 32082-1256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 EDGEWATER TRL, LAKE LURE, NC 28746-9429

Mortgage

Document Number	201800006142
Date	Jan 3, 2019
Instrument	201800006142

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 120 Edgewater Trl was $5,280.

Source: Rutherford County assessment roll, as of August 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,280.00	$645,600 Land $360,400 Building $285,200	$645,600 Land $360,400 Building $285,200
2023		$645,600 Land $360,400 Building $285,200	$645,600 Land $360,400 Building $285,200
2022	$4,409.00
2021	$4,409.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 Edgewater Trl in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 18, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Wildfire risk around 120 Edgewater Trl is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fiber · Fixed Wireless	1,000 / 1,000
Vyve Broadband Cable	1,000 / 50

Cell Coverage

4G LTE only, no 5G reported

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