430 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 430 Main St, Chimney Rock, NC 28720

Property Summary

Property Type	Restaurant
Details	1 ba · 1,334 sqft · built 1959
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on Record
Last Sale	$450,000 (May 2022)
Tax Bill	$2,993 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1634643`

Property Details

APN / Parcel Number

Primary APN	`1634643`
Alternative APN	`43726`

Interior

Full Baths	1 Bath
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,334 sqft Gross Area
Utility Area	16 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Porch	Slab
Porch Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	430 MAIN ST
City	CHIMNEY ROCK
State	NC
Zip	28720
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	CHIMNEY ROCK COMPANY TR:B PL:24-7
Legal Subdivision	CHIMNEY ROCK CO
Legal Tract	B
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1033
Census Tract	960301

Owner

Source: Rutherford County records, as of April 16, 2026

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	PO BOX 100, CHIMNEY ROCK, NC 28720-0100
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
May 5, 2022	Warranty Deed, Transfer · Line of Credit MOUNTAIN BIZCAPITAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2022 · Amount on Record
Deed Sale	May 5, 2022 · Amount on Record
Prior Sale	Aug 4, 2016 · Amount on Record
Deed Book / Page	2060 / 1736
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	430 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 MAIN ST, CHIMNEY ROCK, NC 28720

Mortgage

Document Number	0021010625
Date	Mar 30, 2026
Book Page	2101/625

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	170 Months
Due	May 27, 2040

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 5, 2022
Property Address	430 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020601736
Book / Page	2060 / 1736
Map Reference	MB 24 PG 7
Instrument Date	Apr 29, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 LUTHER BURBANK DR, 135, LAKE LURE, NC 28746-9041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 100, CHIMNEY ROCK, NC 28720-0100

Mortgage

Document Number	0020601740
Date	May 5, 2022
Instrument	2060/1740

Lender

Name	MOUNTAIN BIZCAPITAL INC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 15, 2042

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 29, 2025

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
2025	$2,993.00 (+1,305.16%)	$317,400 (-) Land $182,900 Building $134,500	$317,400 (-) Land $182,900 Building $134,500
2023		$317,400 Land $182,900 Building $134,500	$317,400 Land $182,900 Building $134,500
2022	$213.00 (-90.03%)
2021	$2,136.00

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 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 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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