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435 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 435 Main St, Chimney Rock, NC 28720

Property Summary

Property TypeVacant Land
Details0.5 ba · 1,704 sqft · built 1983
Lot Size0.08 acres (3,485 sqft)
OwnerIndividual Name on Record
Last Sale$245,000 (Jul 2009)
Tax Bill$45 (2025)
Deeds & MortgagesMay 2017 Transfer
Flood ZoneZone X (moderate risk)
APN1628198

Property Details

APN / Parcel Number

Primary APN1628198
Alternative APN
  • 39443

Interior

Full Baths0.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,704 sqft Gross Area
Basement Area750 sqft
Unfinished Basement750 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Architectural StyleRanch
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area3,485 sqft (0.08 acres)
Deck AreaDeck Area
Patio Area276 sqft

Utilities, Heating & Cooling

Cooling SystemFan Cooling
Heating SystemHeat Pump
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street AddressMAIN ST
CityCHIMNEY ROCK
StateNC
Zip28720
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionGPIN:0633172038510000; BLDG HWY 64-74A
Legal SubdivisionCHIMNEY ROCK TOWNSHIP
JurisdictionRUTHERFORD NC
Township / Civil DivisionCHIMNEY ROCK
Census Block Group2
Census Block2030
Census Tract960302

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 RecordIndividual Name on Record
Mailing Address2249 FREEMAN TOWN RD, LAKE LURE, NC 28746-9742
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 22, 2009 · Amount on Record
Deed SaleJul 22, 2009 · Amount on Record
Deed Document Number2009738
Deed Book / Page986 / 113
Last Transfer DateOct 28, 2024
Transfer Doc0020861633
Record UpdatedSep 20, 2026

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionRUTHERFORD NC
Recording DateMay 31, 2017
Property Address435 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number0011510383
Book / Page001151 / 000383
Instrument DateMay 30, 2017
Instrument11346
Transaction TypeTransfer
Record UpdatedJun 13, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2249 FREEMAN TOWN RD LAKE LURE NC 287469742, LAKE LURE, NC 28746-9742

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
MunicipalityChimney Rock Village
CountyRutherford County
Unified School DistrictRutherford County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$45.00 (-96.35%)$100 (-99.92%) Land $100$100 (-99.92%) Land $100
2023$126,900 Land $69,700 Building $57,200$126,900 Land $69,700 Building $57,200
2022$1,234.00
2021$1,234.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 23 policies
Nearby Flood Policies23 in force
Nearby Flood Claims25 (2022–2024)
Claims Outside the SFHA5 of 25
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 24 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 RiskModerate
above 56% of the US · above 78% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemTOWN OF LAKE LURE
serves 1,176 people · EPA ID NC0181020
Water SourceGroundwater
Last State InspectionJul 2025
Lead15 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting3
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

ProviderMax 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

Nearby Properties on Main St

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