Rutherford County property record for 187 Garner Dr, Lake Lure, NC 28746
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,375 sqft · built 2003 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $850,000 (Dec 2020) |
| Tax Bill | $7,398 (2022) |
| Deeds & Mortgages | Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1609247 |
| Primary APN | 1609247 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,375 sqft Heated Area |
| Basement Area | 1,375 sqft |
| Finished Basement | 1,375 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,890 sqft (0.25 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 475 sqft |
| Deck Area | 96 sqft |
| Patio Area | 745 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 27230 |
|---|---|
| Street Address | 187 GARNER DR |
| City | LAKE LURE |
| State | NC |
| Zip | 28746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | GARNER COVE LO6 PL13-45 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 960302 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2032 W CLUB BLVD, DURHAM, NC 27705-3210 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2020 · Amount on Record |
| Deed Sale | Dec 29, 2020 · Amount on Record |
| Deed Document Number | 0020404446 |
| Deed Book / Page | 2040 / 4446 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Dec 29, 2020 |
| Property Address | 187 GARNER DR, LAKE LURE, NC 28746 |
| Document Number | 0020404446 |
| Book / Page | 002040 / 004446 |
| Instrument Date | Dec 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2032 W CLUB BLVD DURHAM NC 277053210, DURHAM, NC 27705-3210 |
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 | $997,300 Land $405,000 Building $592,300 | $997,300 Land $405,000 Building $592,300 | |
| 2022 | $7,398.00 | ||
| 2021 | $7,398.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
|
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 42% of the US · above 62% 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.
Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Vyve Broadband Cable | 1,000 / 50 |
| Skyrunner Fixed Wireless | 500 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Pangaea Internet.
5G (outdoors only) and 4G LTE
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