Rutherford County property record for 154 Downing Pl, Lake Lure, NC 28746
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,030 sqft · built 1990 |
| Lot Size | 0.689 acres (30,056 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,025 (2022) |
| Deeds & Mortgages | May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1609447 |
| Primary APN | 1609447 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,030 sqft Heated Area |
| Gross Area | 4,060 sqft |
| Basement Area | 2,030 sqft |
| Unfinished Basement | 2,030 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,056 sqft (0.689 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 310 sqft |
| Deck Area | 120 sqft |
| Patio Area | 420 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 27335 |
|---|---|
| Street Address | 154 DOWNING PL |
| City | LAKE LURE |
| State | NC |
| Zip | 28746-9352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | APPLE VALLEY LO97 PH3 SESB PL13-85 |
| Legal Subdivision | APPLE VLY 03 FAIRFIELD MTNS S |
| Legal Block | 5 |
| Legal Lot Number | 97 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 960301 |
Source: Rutherford County records, as of September 13, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | PO BOX 621, LAKE LURE, NC 28746-0621 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000673710 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 154 DOWNING PL, LAKE LURE, NC 28746-9352 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012480681 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 1248/681 |
| Name | HOMEOWNERS MORTGAGE ENTERPRISES INC |
|---|---|
| Type | Mortgage Company |
| Address | HICKORY, NC 28602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Lake Lure Town |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $489,200 Land $100,000 Building $389,200 | $489,200 Land $100,000 Building $389,200 | |
| 2022 | $3,025.00 | ||
| 2021 | $3,025.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 74% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyrunner Fiber | 1,000 / 1,000 |
| Vyve Broadband Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Pangaea Internet, Spectrum.
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