Rutherford County property record for 321 Holmes Rd, Lake Lure, NC 28746
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 2,595 sqft · built 1950 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Company Name on File |
| Tax Bill | $7,364 (2022) |
| Deeds & Mortgages | Dec 2020 Line of Credit Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0230700 |
| Primary APN | 0230700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,595 sqft Heated Area |
| Gross Area | 3,251 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,958 sqft (0.55 acres) |
| Porch | Porch |
| Porch Area | 571 sqft |
| Patio Area | 714 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 3018 |
|---|---|
| Old Parcel Number | 0230700 |
| Street Address | 321 HOLMES RD |
| City | LAKE LURE |
| State | NC |
| Zip | 28746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GPIN:0642127660410000; RES O W HOLMES DR |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 960302 |
321 Holmes Rd is owned by a company that acquired it in December 2020.
Source: Rutherford County records, as of September 13, 2023
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 327 RICE ST, GREENVILLE, SC 29605-2032 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 31, 2020 | Deed of Trust, Mortgage · Line of Credit SOUTHERN FIRST BK NA |
| Dec 29, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2020 |
| Deed Sale | Dec 29, 2020 |
| Prior Sale | Dec 1, 2011 · Amount on File |
| Deed Document Number | 0020404774 |
| Deed Book / Page | 2040 / 4774 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 321 HOLMES RD, LAKE LURE, NC 28746 |
| Document Number | 0020412073 |
| Instrument Date | Dec 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 321 HOLMES RD LAKE LURE NC 28746, LAKE LURE, NC 28746 |
| Document Number | 0020412073 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 002041/002073 |
| Name | SOUTHERN FIRST BK NA |
|---|---|
| Type | Bank |
| Address | 408 E NORTH ST, GREENVILLE, SC 29601-3005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 14, 2031 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Dec 29, 2020 |
| Property Address | 321 HOLMES RD, LAKE LURE, NC 28746 |
| Document Number | 0020404774 |
| Book / Page | 002040 / 004774 |
| Instrument Date | Dec 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 313 GLENDALYN PL |
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 | $989,800 Land $450,000 Building $539,800 | $989,800 Land $450,000 Building $539,800 | |
| 2022 | $7,364.00 | ||
| 2021 | $7,364.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Holmes Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 |
|
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 risk around 321 Holmes Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 1,000 / 50 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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