304 Seton Rd, Lake Lure, NC 28746 Property Records

Rutherford County property record for 304 Seton Rd, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,938 sqft · built 1998
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on File
Last Sale	$1,575,000 (Jun 2023)
Tax Bill	$11,285 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1627043`

Property Details

APN / Parcel Number

Primary APN	`1627043`
Alternative APN	`38663`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,938 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	48,787 sqft (1.12 acres)
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	218 sqft
Deck Area	144 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	304 SETON RD
City	LAKE LURE
State	NC
Zip	28746-6325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LO:34A & PT 3 PL:19-25
Legal Lot Number	34A
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	2
Census Block	2008
Census Tract	960302

Owner

304 Seton Rd is owned by two individuals who bought it in June 2023.

Source: Rutherford County records, as of September 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	400 E PARK AVE, CHARLOTTE, NC 28203-5144
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Aug 7, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 28, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023 · Amount on File
Deed Sale	Jun 22, 2023 · Amount on File
Prior Sale	Aug 7, 2020 · Amount on File
Prior Transfer Date	Apr 24, 2017
Prior Transfer Doc	0011490457
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 22, 2023
Property Address	304 SETON RD, LAKE LURE, NC 28746-6325
Document Number	0020724303
Book / Page	2072 / 4303
Map Reference	MB 19 PG 25
Instrument Date	Jun 20, 2023
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12309 PEMBROKE RD, PEMBROKE PINES, FL 33025-1723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E PARK AVE, CHARLOTTE, NC 28203-5144

Mortgage

Document Number	0020724306
Date	Jun 22, 2023
Instrument	2072/4306

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	304 SETON RD, LAKE LURE, NC 28746-6325
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020332800
Date	Jun 8, 2020
Book Page	2033/2800

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 7, 2020
Property Address	304 SETON RD, LAKE LURE, NC 28746-6325
Document Number	0020353102
Book / Page	002035 / 003102
Instrument Date	Aug 4, 2020
Transaction Type	Transfer
Record Updated	Sep 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12309 PEMBROKE RD PEMBROKE PINES FL 330251723, PEMBROKE PINES, FL 33025-1723

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 28, 2017
Property Address	304 SETON RD, LAKE LURE, NC 28746-6325
Document Number	0011490457
Book / Page	1149 / 457
Map Reference	DD 1049 PG 319
Instrument Date	Apr 24, 2017
Instrument	201600010287
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	304 SETON RD, LAKE LURE, NC 28746-6325

Tax Assessment & Valuation

The 2025 property tax bill for 304 Seton Rd was $11,285.

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	$11,285.00	$1,386,000 Land $541,800 Building $844,200	$1,386,000 Land $541,800 Building $844,200
2023		$1,164,000 (+29.58%) Land $541,800 Building $622,200	$1,164,000 (+29.58%) Land $541,800 Building $622,200
2022	$9,865.00	$898,300 Land $447,200 Building $451,100	$898,300 Land $447,200 Building $451,100
2021	$9,865.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 304 Seton Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 304 Seton Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% 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	TOWN OF LAKE LURE serves 1,176 people · EPA ID NC0181020
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	15 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 91 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
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

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

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