Rutherford County property record for 401 Seton Rd, Lake Lure, NC 28746
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 602 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jul 2019) |
| Tax Bill | $114 (2022) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0224830 |
| Primary APN | 0224830 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 602 sqft Heated Area |
| Flooring | Wood |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Logs |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Patio Area | 534 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1829 |
|---|---|
| Old Parcel Number | 0224830 |
| Street Address | 401 SETON RD |
| City | LAKE LURE |
| State | NC |
| Zip | 28746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | GPIN:0642050786890000; RES LUREMONT SEC #39 |
| Legal Subdivision | PROPERTY/CHIMNEY ROCK MOUNTAIN |
| Legal Block | 1 |
| Legal Lot Number | 113 |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 960302 |
401 Seton Rd is owned by an individual who bought it in July 2019.
Source: Rutherford County records, as of September 13, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3455 CYNTHIA DR, JOHNS ISLAND, SC 29455-8133 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2019 · Amount on File |
| Deed Sale | Jul 31, 2019 · Amount on File |
| Deed Document Number | 0020242622 |
| Deed Book / Page | 2024 / 2622 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Jul 31, 2019 |
| Property Address | 401 SETON RD, LAKE LURE, NC 28746 |
| Document Number | 0020242622 |
| Book / Page | 2024 / 2622 |
| Map Reference | MB 2 PG 1 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 JUSTICE DR, 435, LAKE LURE, NC 28746-9025 |
| Name | Verified Name |
|---|---|
| Address | 100 IVY GREEN WAY, CHARLESTON, SC 29414-5199 |
| Document Number | 0020242625 |
|---|---|
| Date | Jul 31, 2019 |
| Instrument | 2024/2625 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
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 | $164,100 Land $35,000 Building $129,100 | $164,100 Land $35,000 Building $129,100 | |
| 2022 | $114.00 (-90.03%) | ||
| 2021 | $1,143.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Seton Rd in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 2022.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 23 policies |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 25 (2022–2024) |
| Claims Outside the SFHA | 5 of 25 |
| 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 401 Seton Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Vyve Broadband Cable | 1,000 / 50 |
| Pangaea Internet Fiber | 500 / 500 |
| Skyrunner Fixed Wireless | 500 / 250 |
May also be available: AT&T.
4G LTE only, no 5G reported
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