Rutherford County property record for 438 Main St, Chimney Rock, NC 28720
| Property Type | Restaurant |
|---|---|
| Details | 4 ba · 5,150 sqft · built 2017 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Company Name on File |
| Tax Bill | $8,876 (2022) |
| Deeds & Mortgages | Dec 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1634642 |
| Primary APN | 1634642 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 5,150 sqft Gross Area |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Siding |
| Lot Area | 24,394 sqft (0.56 acres) |
| Porch | Open Porch |
| Porch Area | 1,710 sqft |
| Patio Area | 1,040 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 43725 |
|---|---|
| Street Address | 438 MAIN ST |
| City | CHIMNEY ROCK |
| State | NC |
| Zip | 28720 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Legal Description | CHIMNEY ROCK CO TRA PL24-7 |
| Legal Subdivision | CHIMNEY ROCK CO A |
| Legal Tract | A |
| Legal Block | 1 |
| Legal Lot Number | 5A |
| Jurisdiction | RUTHERFORD NC |
| Township / Civil Division | CHIMNEY ROCK |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 960301 |
438 Main St, a commercial property, is owned by a company that acquired it in December 2018.
Source: Rutherford County records, as of September 13, 2023
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3737 HOWARD GAP RD, HENDERSONVILLE, NC 28792-3174 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2018 |
| Deed Sale | Dec 20, 2018 |
| Prior Sale | Dec 22, 2015 · Amount on File |
| Deed Document Number | 201800005823 |
| Deed Book / Page | 0985 / 242 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD NC |
| Recording Date | Dec 29, 2017 |
| Property Address | 438 MAIN ST, CHIMNEY ROCK, NC 28720 |
| Document Number | 0011650607 |
| Book / Page | 001165 / 000607 |
| Instrument Date | Dec 20, 2017 |
| Instrument | 5971 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3737 HOWARD GAP RD HENDERSONVILLE NC 287923174, HENDERSONVILLE, NC 28792-3174 |
Source: Rutherford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Chimney Rock Village |
| County | Rutherford County |
| Unified School District | Rutherford County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $1,073,300 Land $485,300 Building $588,000 | $1,073,300 Land $485,300 Building $588,000 | |
| 2022 | $8,876.00 | ||
| 2021 | $8,876.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 438 Main St is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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.
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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