285 Big Rock Rd, Bostic, NC 28018 Property Records

Rutherford County property record for 285 Big Rock Rd, Bostic, NC 28018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,479 sqft · built 2018
Lot Size	6.92 acres (301,435 sqft)
Owner	2 Individual Names on File
Last Sale	$15,700 (Jun 2016)
Tax Bill	$3,462 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1636744`

Property Details

APN / Parcel Number

Primary APN	`1636744`
Alternative APN	`45230`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,479 sqft Heated Area
Basement Area	1,479 sqft
Finished Basement	1,479 sqft
Flooring	Wood

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Roof Type	Hip
Roof Material	Asphalt
Lot Area	301,435 sqft (6.92 acres)
Garage Area	783 sqft
Parking Spaces	3 Parking Spaces
Deck Area	490 sqft
Patio Area	490 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C

Location & Zoning

Street Address	285 BIG ROCK RD
City	BOSTIC
State	NC
Zip	28018-7803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	YELLOWTOP MTN ESTATES LO:89 PH:6A PL:25-98
Legal Subdivision	YELLOWTOP MTN ESTATES
Legal Lot Number	89
Jurisdiction	RUTHERFORD NC
Township / Civil Division	GOLDEN VALLEY
Census Block Group	1
Census Block	1009
Census Tract	960102

Owner

Source: Rutherford County assessment roll, 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 File
Mailing Address	285 BIG ROCK RD, BOSTIC, NC 28018-7803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Sep 9, 2022	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Aug 13, 2018	Loan Modification, Mortgage UNITED CMNTY MTG SVCS
Aug 29, 2017	Trustee's Deed, Construction Loan · Construction Mortgage UNITED CMNTY MTG SVCS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 13, 2016 · Amount on Record
Deed Sale	Jun 13, 2016 · Amount on Record
Prior Sale	Jul 14, 2004 · Amount on Record
Deed Document Number	2016201500010932
Deed Book / Page	1128 / 645
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 10, 2026
Property Address	285 BIG ROCK RD, BOSTIC, NC 28018-7803
Document Number	2101002432
Book / Page	2101 / 2432
Instrument Date	Apr 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 BIG ROCK RD, BOSTIC, NC 28018-7803
Investor	Possibly a Property Investor

Mortgage

Document Number	2101002432,
Date	Apr 10, 2026
Book Page	2101/2432

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	285 BIG ROCK RD, BOSTIC, NC 28018-7803
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 BIG ROCK RD, BOSTIC, NC 28018-7803

Mortgage

Document Number	0020643443
Date	Sep 9, 2022
Book Page	2064/3443

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HENDERSONVILLE, NC 28792

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 19, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RUTHERFORD NC
Property Address	285 BIG ROCK RD, BOSTIC, NC 28018-7803
Document Number	0020164590
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	285 BIG ROCK RD BOSTIC NC 280187803, BOSTIC, NC 28018-7803

Mortgage

Document Number	0020164590
Date	Oct 12, 2018
Book Page	002016/004590
Instrument	3593

Lender

Name	UNITED CMNTY MTG SVCS
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 29, 2017
Property Address	285 BIG ROCK RD, BOSTIC, NC 28018-7803
Document Number	0012560779
Book / Page	001256 / 000779
Instrument Date	Aug 28, 2017
Instrument	2026
Transaction Type	Construction Loan
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	95 SPRING HEIGHTS CT HENDERSONVILLE NC 287912497, HENDERSONVILLE, NC 28791-2497

Mortgage

Document Number	12560779
Date	Aug 29, 2017
Book Page	001256/000779
Instrument	2026

Lender

Name	UNITED CMNTY MTG SVCS
Type	Mortgage Company
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,462.00 (+1,093.79%)	$552,700 (-) Land $47,700 Building $505,000	$552,700 (-) Land $47,700 Building $505,000
2023		$552,700 Land $47,700 Building $505,000	$552,700 Land $47,700 Building $505,000
2022	$290.00 (-9%)
2021	$2,901.00

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
Nearby Flood Policies	1 in force

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 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: AT&T, North Carolina RSA 3 Cellular Telephone Company.

Cell Coverage

5G (outdoors only) and 4G LTE

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