128 Sunset Ln, Lake Lure, NC 28746 Property Records

Rutherford County property record for 128 Sunset Ln, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,972 sqft · built 1993
Lot Size	2.46 acres (107,158 sqft)
Owner	2 Company Names on File
Last Sale	$2,800,000 (Aug 2023)
Tax Bill	$19,933 (2025)
Deeds & Mortgages	Aug 2023 Sale Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1609413`

Property Details

APN / Parcel Number

Primary APN	`1609413`
Alternative APN	`27318`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,972 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Wood
Lot Area	107,158 sqft (2.46 acres)

Exterior Amenities

Porch	Patio
Porch Area	1,428 sqft
Deck Area	190 sqft
Patio Area	940 sqft
Utility Building	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	128 SUNSET LN
City	LAKE LURE
State	NC
Zip	28746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PIERPOINT LO:5THRU6 PL:11-61
Legal Subdivision	PIERPOINT SUBDIVISION
Legal Lot Number	5,6
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	2
Census Block	2003
Census Tract	960302

Owner

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

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

Owner of Record	2 Company Names on File
Mailing Address	200 BELLEVUE PKWY, 250, WILMINGTON, DE 19809-3747
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Warranty Deed, Transfer
Sep 24, 2020	Warranty Deed, Transfer · Commercial Mortgage 1ST TRUST BANK INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Sep 24, 2020 · Amount on Record
Deed Book / Page	2074 / 2149
Last Transfer Date	Jul 10, 2025
Transfer Doc	0020932979
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 21, 2023
Property Address	128 SUNSET LN, LAKE LURE, NC 28746
Document Number	0020742149
Book / Page	2074 / 2149
Map Reference	MB 11 PG 61
Instrument Date	Aug 21, 2023
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Amount	Amount Recorded
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 ROCK RIDGE RD, HAZARD, KY 41701-9431

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1 N BREAKERS ROW APT 351, 351, PALM BEACH, FL 33480-4014

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 24, 2020
Property Address	128 SUNSET LN, LAKE LURE, NC 28746
Document Number	0020371214
Book / Page	2037 / 1214
Map Reference	MB 11 PG 61
Instrument Date	Sep 22, 2020
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	850 NAZARETH CHURCH RD, 850, SPARTANBURG, SC 29301-6138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 SAINT CROIX WAY, HAZARD, KY 41701-5345

Mortgage

Document Number	0020371219
Date	Sep 24, 2020
Instrument	2037/1219

Lender

Name	1ST TRUST BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$19,933.00 (+44.49%)	$2,452,300 (+48.71%) Land $1,459,000 Building $993,300	$2,452,300 (+48.71%) Land $1,459,000 Building $993,300
2023		$1,649,100 Land $850,000 Building $799,100	$1,649,100 Land $850,000 Building $799,100
2022	$13,795.00
2021	$13,795.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	25 (2022–2024)
Claims Outside the SFHA	5 of 25
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 24 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FAIRFIELD MTNS-APPLE VALLEY private · serves 950 people · EPA ID NC0181133
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Skyrunner Fixed Wireless	500 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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