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215 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 215 Main St, Chimney Rock, NC 28720

Property Summary

Property TypeCommercial
Details2 ba · 4,374 sqft · built 1967
Lot Size0.4 acres (17,424 sqft)
Owner2 Company Names on Record
Tax Bill$3,124 (2022)
Deeds & MortgagesOct 2025 Mortgage
Aug 2017 Mortgage
Flood ZoneZone AE (high risk)
APN0222032

Property Details

APN / Parcel Number

Primary APN0222032
Alternative APNs
  • 222032
  • 1359

Interior

Full Baths2 Baths
Stories1 Story
Building Area4,374 sqft Total Area
Gross Area6,360 sqft
FlooringCarpet
FireplaceFireplace

Exterior

Year BuiltBuilt 1967
Exterior MaterialWood Siding
Foundation TypeBlock
Roof MaterialAsphalt
Lot Area17,424 sqft (0.4 acres)
PorchPorch
Porch Area1,194 sqft

Utilities, Heating & Cooling

Cooling SystemFan Cooling
Heating SystemHeat Pump

Location & Zoning

Account Number1359
Old Parcel Number0222032
Street Address215 MAIN ST
CityCHIMNEY ROCK
StateNC
Zip28720
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionGPIN:0632064949410000; RES HIGHWAY 74
Legal Block2
Legal Lot Number29
JurisdictionRUTHERFORD NC
Township / Civil DivisionCHIMNEY ROCK
Census Block Group1
Census Block1040
Census Tract960301

Owner

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 Record2 Company Names on Record
Co-ownerCo-owner on Record
Mailing AddressPO BOX 190, CHIMNEY ROCK, NC 28720-0190
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Oct 6, 2025Deed of Trust, Mortgage · SBA Mortgage
UNITED STATES SMALL BUSINESS ADMIN
Aug 30, 2017Deed of Trust, Mortgage · Commercial Mortgage
ENTEGRA BANK

Assessor's Deed Record

Deed Names3 Names on Deed
Last Transfer DateFeb 14, 2005
Transfer Doc0008650415
Record UpdatedJun 7, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRUTHERFORD NC
Property Address215 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction TypeMortgage
Record UpdatedOct 21, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address208 WORLDS EDGE RD, HENDERSONVILLE, NC 28792-4780

Mortgage

Document Number0020954765
DateOct 6, 2025
Book Page2095/4765
Lender
NameUNITED STATES SMALL BUSINESS ADMIN
TypeGovernment Agency
AddressBIRMINGHAM, AL 35203
Agreement
TypeSBA Mortgage
AmountAmount Recorded
Term357 Months
DueJul 1, 2055

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRUTHERFORD NC
Property Address215 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction TypeMortgage
Record UpdatedOct 21, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0012560851
DateAug 30, 2017
Book Page1256/851
Instrument201700002056
Lender
NameENTEGRA BANK
TypeBank
AddressFRANKLIN, NC 28734
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
MunicipalityChimney Rock Village
CountyRutherford County
Unified School DistrictRutherford County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$339,200 Land $206,400 Building $132,800$339,200 Land $206,400 Building $132,800
2022$3,124.00
2021$3,124.00

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayYes
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims13 (2021–2024)
Claims Outside the SFHA2 of 13
Most Recent ClaimSep 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 RiskModerate
above 52% of the US · above 74% of North Carolina
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 SystemTOWN OF LAKE LURE
serves 1,176 people · EPA ID NC0181020
Water SourceGroundwater
Last State InspectionJul 2025
Lead15 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Fiber		1,000 / 1,000
AT&T
Fiber		1,000 / 1,000
Vyve Broadband
Cable		1,000 / 50
Pangaea Internet
Fiber		500 / 500
Skyrunner
Fixed Wireless		500 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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