397 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 397 Main St, Chimney Rock, NC 28720

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,734 sqft · built 1926
Lot Size	0.13 acres (5,663 sqft)
Owner	Company Name on Record
Tax Bill	$1,594 (2022)
Deeds & Mortgages	May 2021 Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`0218873`

Property Details

APN / Parcel Number

Primary APN	`0218873`
Alternative APNs	`218873` `782`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,734 sqft Living Area
Gross Area	1,884 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Exterior Material	Wood Siding
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	5,663 sqft (0.13 acres)
Porch	Porch
Porch Area	144 sqft
Patio Area	1,524 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Other

Location & Zoning

Account Number	782
Old Parcel Number	0218873
Street Address	397 MAIN ST
City	CHIMNEY ROCK
State	NC
Zip	28720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UTILITY EASEMENT PL41-129
Legal Subdivision	WESTERN NORTH CAROLINA LAND CO
Legal Block	2
Legal Lot Number	12
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1042
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	Company Name on Record
Mailing Address	379 MAIN ST, CHIMNEY ROCK, NC 28720
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage FIRST CITIZENS BANK & TRUST CO
Jan 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Jan 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Aug 18, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020
Deed Sale	Aug 18, 2020
Deed Document Number	0020354715
Deed Book / Page	2035 / 4715
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	397 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MAIN ST, CHIMNEY ROCK, NC 28720

Mortgage

Document Number	0020454877
Date	May 5, 2021
Book Page	2045/4877

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	397 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012390623
Date	Jan 18, 2017
Book Page	1239/623
Instrument	201600006709

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	397 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012390597
Date	Jan 18, 2017
Book Page	1239/597
Instrument	201600006703

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 18, 2020
Property Address	397 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020354715
Book / Page	002035 / 004715
Instrument Date	Aug 18, 2020
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	379 MAIN ST CHIMNEY ROCK NC 28720, CHIMNEY ROCK, NC 28720

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		$197,500 Land $113,300 Building $84,200	$197,500 Land $113,300 Building $84,200
2022	$1,594.00
2021	$1,594.00

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 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	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

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 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.

Cell Coverage

4G LTE only, no 5G reported

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