430 Winterle Rd, Lake Lure, NC 28746 Property Records

Rutherford County property record for 430 Winterle Rd, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,654 sqft · built 1996
Lot Size	4.25 acres (185,130 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Mar 2024)
Tax Bill	$5,622 (2025)
Deeds & Mortgages	Mar 2024 Sale Jun 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1620992`

Property Details

APN / Parcel Number

Primary APN	`1620992`
Alternative APN	`34767`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,654 sqft Heated Area
Basement Area	1,057 sqft
Finished Basement	1,057 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Wood
Lot Area	185,130 sqft (4.25 acres)
Garage Area	576 sqft
Porch	Slab
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Forced Air with A/C

Location & Zoning

Street Address	430 WINTERLE RD
City	LAKE LURE
State	NC
Zip	28746-9812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THREE CREEKS LO:10 PL:23-131
Legal Subdivision	THREE CREEKS DEVELOPMENT
Legal Tract	1
Legal Lot Number	10
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1001
Census Tract	960301

Owner

Source: Rutherford County records, as of September 9, 2025

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	430 WINTERLE RD, LAKE LURE, NC 28746-9812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Warranty Deed, Transfer
Jun 25, 2021	Intrafamily Transfer, Transfer
Sep 29, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Oct 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2024 · Amount on Record
Deed Sale	Mar 12, 2024 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Prior Transfer Date	Jun 7, 2021
Prior Transfer Doc	0020480338
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 12, 2024
Property Address	430 WINTERLE RD, LAKE LURE, NC 28746-9812
Document Number	0020793550
Book / Page	2079 / 3550
Map Reference	MB 16 PG 112
Instrument Date	Mar 11, 2024
Transaction Type	Transfer
Record Updated	Apr 4, 2024

Transaction

Amount	Amount Recorded
Tax	$2,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 WINTERLE RD, LAKE LURE, NC 28746-9812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 WINTERLE RD, LAKE LURE, NC 28746-9812

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Jun 25, 2021
Property Address	430 WINTERLE RD, LAKE LURE, NC 28746-9812
Document Number	0020480338
Book / Page	2048 / 338
Map Reference	MB 16 PG 112
Instrument Date	Jun 7, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	430 WINTERLE RD, LAKE LURE, NC 28746-9812

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 29, 2020
Property Address	430 WINTERLE RD, LAKE LURE, NC 28746-9812
Document Number	0020372078
Book / Page	2037 / 2078
Map Reference	MB 16 PG 112
Instrument Date	Sep 28, 2020
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 MEADOW VILLAGE LN, 46, ASHEVILLE, NC 28803-6606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 398, LAKE LURE, NC 28746-0398

Mortgage

Document Number	0020372081
Date	Sep 29, 2020
Instrument	2037/2081

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Oct 8, 2018
Property Address	430 WINTERLE RD, LAKE LURE, NC 28746-9812
Document Number	0020163986
Book / Page	002016 / 003986
Instrument Date	Oct 4, 2018
Instrument	3416
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	430 WINTERLE RD LAKE LURE NC 287469812, LAKE LURE, NC 28746-9812

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,622.00 (+68.83%)	$999,600 (+48.37%) Land $154,300 Building $845,300	$999,600 (+48.37%) Land $154,300 Building $845,300
2023		$673,700 Land $80,000 Building $593,700	$673,700 Land $80,000 Building $593,700
2022	$3,330.00
2021	$3,330.00

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
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 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Carolina West Wireless Fixed Wireless	25 / 3

Cell Coverage

4G LTE only, no 5G reported

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