Rutherford County property record for 398 Main St, Chimney Rock, NC 28720
| Property Type | Commercial |
|---|---|
| Details | 0.5 ba · 325 sqft · built 1941 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,168 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0227326 |
| Primary APN | 0227326 |
|---|---|
| Alternative APNs |
|
| Full Baths | 0.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 325 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Exterior Material | Stone |
| Roof Type | Shed Roof |
| Roof Material | Asphalt |
| Lot Area | 4,356 sqft (0.1 acres) |
| Porch | Slab |
| Porch Area | 325 sqft |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 398 MAIN ST |
|---|---|
| City | CHIMNEY ROCK |
| State | NC |
| Zip | 28720 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | GPIN:0633182078750000; BLDG HWY 74 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 960301 |
398 Main St, a commercial property, is owned by two individuals.
Source: Rutherford County records, as of August 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 224, CHIMNEY ROCK, NC 28720-0224 |
| Owner Type | Individual |
| Vesting | Doing Business As (DBA) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 398 Main St was $1,168.
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 | $1,168.00 | $120,900 Land $90,000 Building $30,900 | $120,900 Land $90,000 Building $30,900 |
| 2023 | $150,900 Land $90,000 Building $60,900 | $150,900 Land $90,000 Building $60,900 | |
| 2022 | $1,349.00 | ||
| 2021 | $1,349.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 Main St 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 |
|
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 398 Main St 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.
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 only, no 5G reported
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