121 Fern Loop, Lake Lure, NC 28746 Property Records

Rutherford County property record for 121 Fern Loop, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,350 sqft · built 2003
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Sep 2026)
Tax Bill	$4,147 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`0232198`

Property Details

APN / Parcel Number

Primary APN	`0232198`
Alternative APNs	`232198` `3597`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,350 sqft Heated Area
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)

Exterior Amenities

Porch	Slab
Porch Area	49 sqft
Deck Area	815 sqft
Patio Area	1,547 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	121 FERN LOOP
City	LAKE LURE
State	NC
Zip	28746-9289
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	MTNS AT LAKE LURE GOLF ESTATE LO:43 PL:8-18
Legal Subdivision	LAKE LURE GOLF ESTATE
Legal Lot Number	43
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1057
Census Tract	960301

Owner

121 Fern Loop is owned by two individuals who bought it in September 2026.

Source: Rutherford County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11092 ESTEBAN DR, FORT MYERS, FL 33912-8962
Owner Type	Individual

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 22, 2026	Warranty Deed, Transfer · Conventional Mortgage ABSOLUTE MORTGAGE CORPORATION
Oct 5, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2026 · Amount on File
Deed Sale	Sep 22, 2026 · Amount on File
Prior Sale	Sep 3, 2010 · Amount on File
Deed Document Number	2026
Deed Book / Page	2107 / 660
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 22, 2026
Property Address	121 FERN LOOP, LAKE LURE, NC 28746-9289
Document Number	2107000660
Book / Page	2107 / 660
Instrument Date	Sep 16, 2026
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11092 ESTEBAN DR, FORT MYERS, FL 33912-8962

Mortgage

Document Number	2107000663,
Date	Sep 22, 2026
Book Page	2107/663

Lender

Name	ABSOLUTE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 5, 2017
Property Address	121 FERN LOOP, LAKE LURE, NC 28746-9289
Document Number	0011590778
Book / Page	001159 / 000778
Instrument Date	Sep 25, 2017
Instrument	3179
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3941 CHISOLM RD JOHNS ISLAND SC 294557716, JOHNS ISLAND, SC 29455-7716

Tax Assessment & Valuation

The 2025 property tax bill for 121 Fern Loop was $4,147.

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	$4,147.00	$505,800 Land $100,000 Building $405,800	$505,800 Land $100,000 Building $405,800
2023		$505,800 Land $100,000 Building $405,800	$505,800 Land $100,000 Building $405,800
2022	$3,290.00
2021	$3,290.00

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

Flood

FEMA maps place 121 Fern Loop in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 2021.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (2021–2024)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 11 claims

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 121 Fern Loop is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 80 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

5G (outdoors only) and 4G LTE

Nearby Properties on Fern Loop

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