221 Waterside Dr, Lake Lure, NC 28746 Property Records

Rutherford County property record for 221 Waterside Dr, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,952 sqft · built 1999
Lot Size	0.64 acres (27,878 sqft)
Owner	Company Name on Record
Last Sale	$670,000 (Mar 2021)
Tax Bill	$6,018 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`1621001`

Property Details

APN / Parcel Number

Primary APN	`1621001`
Alternative APN	`34772`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,952 sqft Heated Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Unfinished Basement	1,891 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	350 sqft
Deck Area	110 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	221 WATERSIDE DR
City	LAKE LURE
State	NC
Zip	28746-8216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WATERSIDE LO:14 PH:1 PL:16-101
Legal Subdivision	WATERSIDE PHASE 1
Legal Lot Number	14
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	2
Census Block	2000
Census Tract	960302

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	Company Name on Record
Mailing Address	1480 SW 3RD ST, C6, POMPANO BEACH, FL 33069-3225
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Warranty Deed, Transfer · Commercial Mortgage COGENT BANK
Mar 12, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Mar 12, 2018 · Amount on Record
Deed Book / Page	2044 / 1304
Prior Transfer Date	May 2, 2009
Prior Transfer Doc	0009820134
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 24, 2021
Property Address	221 WATERSIDE DR, LAKE LURE, NC 28746-8216
Document Number	0020441304
Book / Page	2044 / 1304
Map Reference	MB 16 PG 1010
Instrument Date	Mar 24, 2021
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 SANTA BARBARA, 109, MARATHON, FL 33050-2451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1480 SW 3RD ST STE 6, 6, POMPANO BEACH, FL 33069-3225

Mortgage

Document Number	20441307
Date	Mar 24, 2021
Instrument	2044/1307

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 12, 2018
Property Address	221 WATERSIDE DR, LAKE LURE, NC 28746-8216
Document Number	0011700081
Book / Page	001170 / 000081
Instrument Date	Feb 23, 2018
Instrument	8210
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5206 DOGWOOD DELL ST MARATHON FL 330502637, MARATHON, FL 33050-2637

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	$6,018.00 (+3.74%)	$736,600 (-) Land $78,000 Building $658,600	$736,600 (-) Land $78,000 Building $658,600
2023		$736,600 Land $78,000 Building $658,600	$736,600 Land $78,000 Building $658,600
2022	$5,801.00
2021	$5,801.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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	Tropical Storm Helene, Sep 2024 · 24 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 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
Pangaea Internet Fiber	500 / 500
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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