145 E Wilderness Rd, Lake Lure, NC 28746 Property Records

Rutherford County property record for 145 E Wilderness Rd, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,338 sqft · built 2001
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Dec 2021)
Tax Bill	$4,215 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0220540`

Property Details

APN / Parcel Number

Primary APN	`0220540`
Alternative APNs	`220540` `997`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,338 sqft Heated Area
Basement Area	904 sqft
Finished Basement	904 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	368 sqft
Deck Area	320 sqft
Patio Area	488 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	145 E WILDERNESS RD
City	LAKE LURE
State	NC
Zip	28746-8220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKE LURE VILLAGE RESORT LO:131 SE:1 PL:10-15
Legal Subdivision	LAKE LURE VILLAGE RESORT LTD
Legal Lot Number	131
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1021
Census Tract	960301

Owner

Source: Rutherford County records, 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 Individual Names on Record
Mailing Address	145 E WILDERNESS RD, LAKE LURE, NC 28746-8220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 13, 2021	Warranty Deed, Transfer · Conventional Mortgage RADIUS FINANCIAL GROUP INC
Jun 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	Sep 20, 2001 · Amount on Record
Deed Book / Page	2054 / 4498
Prior Transfer Date	Jun 29, 2020
Prior Transfer Doc	0020341615
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	145 E WILDERNESS RD, LAKE LURE, NC 28746-8220
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020383368
Date	Oct 30, 2020
Book Page	2038/3368

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 13, 2021
Property Address	145 E WILDERNESS RD, LAKE LURE, NC 28746-8220
Document Number	0020544498
Book / Page	2054 / 4498
Map Reference	MB 10 PG 15
Instrument Date	Dec 9, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13644 HUNT VALLEY DR, HUNTERSVILLE, NC 28078-9712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 E WILDERNESS RD, LAKE LURE, NC 28746-8220

Mortgage

Document Number	0020544502
Date	Dec 13, 2021
Instrument	2054/4502

Lender

Name	RADIUS FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 29, 2020
Property Address	145 E WILDERNESS RD, LAKE LURE, NC 28746-8220
Document Number	0020341615
Book / Page	002034 / 001615
Instrument Date	Jun 29, 2020
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 173 CHIMNEY ROCK NC 287200173, CHIMNEY ROCK, NC 28720-0173

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	145 E WILDERNESS RD, LAKE LURE, NC 28746-8220
Document Number	0020202069
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	145 E WILDERNESS RD LAKE LURE NC 287468220, LAKE LURE, NC 28746-8220

Mortgage

Document Number	0020202069
Date	Mar 7, 2019
Book Page	002020/002069

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	145 E WILDERNESS RD, LAKE LURE, NC 28746-8220
Document Number	0012610407
Book / Page	001261 / 000407
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 E WILDERNESS RD LAKE LURE NC 287468220, LAKE LURE, NC 28746-8220

Mortgage

Document Number	0012610407
Date	Nov 2, 2017
Book Page	001261/000407
Instrument	4159

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

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	$4,215.00 (+57.28%)	$514,200 (-) Land $42,000 Building $472,200	$514,200 (-) Land $42,000 Building $472,200
2023		$514,200 Land $42,000 Building $472,200	$514,200 Land $42,000 Building $472,200
2022	$2,680.00
2021	$2,680.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	FAIRFIELD MOUNTAINS NO 1 private · serves 1,798 people · EPA ID NC0181126
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 101 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

Cell Coverage

5G and 4G LTE (outdoors only)

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