395 Terrace Dr, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 395 Terrace Dr, Chimney Rock, NC 28720

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,036 sqft · built 1949
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Sep 2021)
Tax Bill	$944 (2022)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0217123`

Property Details

APN / Parcel Number

Primary APN	`0217123`
Alternative APNs	`217123` `517`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,036 sqft Heated Area
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1976
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Patio Area	498 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	517
Old Parcel Number	0217123
Street Address	395 TERRACE DR
City	CHIMNEY ROCK
State	NC
Zip	28720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALLERT-ARNETT LOWPT28 PL4-59
Legal Subdivision	GALLERT-ARNETT PROP SUB
Legal Block	2
Legal Lot Number	63
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1033
Census Tract	960301

Owner

395 Terrace Dr is owned by an individual who bought it in September 2021.

Source: Rutherford County records, as of September 13, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	101 PINE CONE TRL, KILL DEVIL HILLS, NC 27948-9055
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
Dec 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 16, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Jun 6, 2016 · Amount on File
Deed Document Number	0020511531
Deed Book / Page	2051 / 1531
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	395 TERRACE DR, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	UNKNOWN, TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 TERRACE DR, CHIMNEY ROCK, NC 28720

Mortgage

Document Number	0020973776
Date	Dec 2, 2025
Book Page	2097/3776

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 16, 2021
Property Address	395 TERRACE DR, CHIMNEY ROCK, NC 28720
Document Number	0020511531
Book / Page	2051 / 1531
Map Reference	MB 100 PG 160&161
Instrument Date	Sep 15, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1810 SANDHURST DR, CHARLOTTE, NC 28205-3315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 PINE CONE TRL, KILL DEVIL HILLS, NC 27948-9055

Mortgage

Document Number	0020511534
Date	Sep 16, 2021
Instrument	2051/1534

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$205,000 Land $90,000 Building $115,000	$205,000 Land $90,000 Building $115,000
2022	$944.00
2021	$944.00

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

Flood

FEMA maps place 395 Terrace Dr 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 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	Tropical Storm Helene, Sep 2024 · 11 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 395 Terrace Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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	0.1% 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 84 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
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

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

Nearby Properties on Terrace Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures