142 Pearson Cir, Lake Lure, NC 28746 Property Records

Rutherford County property record for 142 Pearson Cir, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,747 sqft · built 2007
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$32,000 (Mar 2003)
Tax Bill	$3,019 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0222318`

Property Details

APN / Parcel Number

Primary APN	`0222318`
Alternative APNs	`222318` `1403`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,747 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C

Location & Zoning

Street Address	142 PEARSON CIR
City	LAKE LURE
State	NC
Zip	28746-9846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	GPIN:0652102568800000; RES BUFFALO SHOALS RD
Legal Subdivision	LAKE LURE
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1055
Census Tract	960302

Owner

142 Pearson Cir is owned and occupied by an individual who bought it in March 2003.

Source: Rutherford County records, as of June 10, 2026

Owner of Record	Individual Name on File
Mailing Address	142 PEARSON CIR, LAKE LURE, NC 28746-9846
Occupancy	Owner Occupied
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
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 6, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2003 · Amount on File
Deed Sale	Mar 21, 2003 · Amount on File
Deed Book / Page	817 / 187
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	May 28, 2026
Property Address	142 PEARSON CIR, LAKE LURE, NC 28746-9846
Document Number	2103000834
Book / Page	2103 / 834
Instrument Date	May 21, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 PEARSON CIR, LAKE LURE, NC 28746-9846
Investor	Possibly a Property Investor

Mortgage

Document Number	2103000834,
Date	May 28, 2026
Book Page	2103/834

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	142 PEARSON CIR, LAKE LURE, NC 28746-9846
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020590891
Date	Apr 6, 2022
Book Page	2059/891

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RUTHERFORDTON, NC 28139

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	142 PEARSON CIR, LAKE LURE, NC 28746-9846
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020301417
Date	Feb 14, 2020
Book Page	2030/1417

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 142 Pearson Cir was $3,019.

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	$3,019.00	$366,800 Land $75,800 Building $291,000	$366,800 Land $75,800 Building $291,000
2023		$366,800 Land $75,800 Building $291,000	$366,800 Land $75,800 Building $291,000
2022	$2,621.00
2021	$2,621.00

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

Flood

FEMA maps place 142 Pearson Cir in Zone X, an area of minimal flood risk, though there have been 11 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	11 (2021–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 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 142 Pearson Cir is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Vyve Broadband.

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