355 E Windswept Pass, Lake Lure, NC 28746 Property Records

Rutherford County property record for 355 E Windswept Pass, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,561 sqft · built 2022
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (May 2018)
Tax Bill	$850 (2022)
Deeds & Mortgages	Jul 2020 Construction Loan May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1651055`

Property Details

APN / Parcel Number

Primary APN	`1651055`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,561 sqft Heated Area
Basement Area	1,561 sqft
Finished Basement	1,000 sqft
Unfinished Basement	561 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,556 sqft (2.01 acres)
Garage Area	698 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	355 E WINDSWEPT PASS
City	LAKE LURE
State	NC
Zip	28746-0468
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VISTA BILLS MTN LOREV 421 PH4 PL38-159
Legal Subdivision	VISTA/BILLS MOUNTAIN PH 4
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	2
Census Block	2033
Census Tract	960301

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	355 E WINDSWEPT PASS, LAKE LURE, NC 28746-0468
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Construction Loan · Construction Mortgage FARM CREDIT SVCS
May 22, 2018	Warranty Deed, Transfer · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Deed Document Number	0002004571
Deed Book / Page	2004 / 571
Record Updated	Jun 7, 2026

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Recording Date	Jul 14, 2020
Property Address	355 E WINDSWEPT PASS, LAKE LURE, NC 28746-0468
Document Number	0020343790
Book / Page	002034 / 003790
Instrument Date	Jul 10, 2020
Transaction Type	Construction Loan
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	E WINDSWEPT PASS LAKE LURE NC 28746, LAKE LURE, NC 28746

Mortgage

Document Number	20343790
Date	Jul 14, 2020
Book Page	002034/003790

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LIBERTY, NC 27298

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 13, 2035

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 22, 2018
Property Address	355 E WINDSWEPT PASS, LAKE LURE, NC 28746-0468
Document Number	0020040571
Book / Page	002004 / 000571
Instrument Date	May 10, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21916 LAKESHIRE ST #MI ST CLAIR SHORES MI 480812863, MI, ST CLAIR SHORES, MI 48081-2863

Mortgage

Document Number	20040574
Date	May 22, 2018
Book Page	002004/000574

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	SPINDALE, NC 28160-0097

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 21, 2028

Tax Assessment & Valuation

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

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
2023		$955,300 Land $347,600 Building $607,700	$955,300 Land $347,600 Building $607,700
2022	$850.00
2021	$850.00

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	6 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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