Rutherford County property record for 381 Main St, Chimney Rock, NC 28720
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 0.5 ba · 7,200 sqft · built 2009 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $445 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 1608583 |
| Primary APN | 1608583 |
|---|---|
| Alternative APN |
|
| Full Baths | 0.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 7,200 sqft Gross Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 3,920 sqft (0.09 acres) |
| Porch | Slab |
| Porch Area | 360 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 381 MAIN ST |
|---|---|
| City | CHIMNEY ROCK |
| State | NC |
| Zip | 28720 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | GPIN:0633182086250000; BLDG HWY 74 |
| Legal Subdivision | WESTERN CAROLINA LAND CO |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 960301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 193, CHIMNEY ROCK, NC 28720-0193 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 25, 2009 |
| Transfer Doc | 0009900243 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Property Address | 381 MAIN ST, CHIMNEY ROCK, NC 28720 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 384 MAIN ST, CHIMNEY ROCK, NC 28720-9700 |
| Document Number | 0020423942 |
|---|---|
| Date | Feb 19, 2021 |
| Book Page | 2042/3942 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Address | LAKE LURE, NC 28746 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Rutherford County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Chimney Rock Village |
| County | Rutherford County |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $445.00 (-87.79%) | $43,100 (-89.15%) Land $39,800 Building $3,300 | $43,100 (-89.15%) Land $39,800 Building $3,300 |
| 2023 | $397,100 Land $79,500 Building $317,600 | $397,100 Land $79,500 Building $317,600 | |
| 2022 | $3,644.00 | ||
| 2021 | $3,644.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 13 (2021–2024) |
| Claims Outside the SFHA | 2 of 13 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 77% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Vyve Broadband Cable | 1,000 / 50 |
| Skyrunner Fixed Wireless | 500 / 250 |
May also be available: Pangaea Internet.
4G LTE (outdoors only), no 5G reported
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