Rutherford County property record for 401 Main St, Chimney Rock, NC 28720
| Property Type | Commercial |
|---|---|
| Details | 3 ba · 1,127 sqft · built 2003 |
| Lot Size | 0.089 acres (3,920 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Feb 2014) |
| Tax Bill | $2,756 (2022) |
| Deeds & Mortgages | Dec 2025 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 0227022 |
| Primary APN | 0227022 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,127 sqft Total Area |
| Gross Area | 448 sqft |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Wood Shingle |
| Foundation Type | Concrete |
| Roof Material | Metal |
| Lot Area | 3,920 sqft (0.089 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 547 sqft |
| Patio Area | 1,781 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Evaporative |
|---|---|
| Heating System | Other |
| Account Number | 2215 |
|---|---|
| Old Parcel Number | 0227022 |
| Street Address | 401 MAIN ST |
| City | CHIMNEY ROCK |
| State | NC |
| Zip | 28720 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | GPIN:0633182066680000; SHOPS ON MAIN ST |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 960301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 26207 NW 160TH PL, HIGH SPRINGS, FL 32643-6573 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2014 · Amount on Record |
| Deed Sale | Feb 18, 2014 · Amount on Record |
| Prior Sale | Jun 21, 2012 · Amount on Record |
| Deed Document Number | 0001079315 |
| Deed Book / Page | 1079 / 315 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Dec 8, 2025 |
| Property Address | 401 MAIN ST, CHIMNEY ROCK, NC 28720 |
| Document Number | 0020974656 |
| Book / Page | 2097 / 4656 |
| Instrument Date | Dec 4, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26207 NW 160TH PL, HIGH SPRINGS, FL 32643-6573 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1452, FAIRVIEW, NC 28730-1452 |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rutherford County |
| Municipality | Lake Lure Town |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $294,200 Land $82,500 Building $211,700 | $294,200 Land $82,500 Building $211,700 | |
| 2022 | $2,756.00 | ||
| 2021 | $2,756.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 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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