488 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 488 Main St, Chimney Rock, NC 28720

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,550 sqft · built 1947
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Dec 2014)
Tax Bill	$5,208 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1633844`

Property Details

APN / Parcel Number

Primary APN	`1633844`
Alternative APN	`43175`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,550 sqft Heated Area
Basement Area	1,010 sqft
Finished Basement	1,010 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Area	210 sqft
Parking Spaces	1 Parking Space
Deck Area	240 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	488 MAIN ST
City	CHIMNEY ROCK
State	NC
Zip	28720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:0633172125260000; OFF HWY 64-74A
Legal Subdivision	TIMOTHY D TURNER ETUX
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	Individual Name on Record
Mailing Address	488 MAIN ST, CHIMNEY ROCK, NC 28720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Mar 4, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CHRISTI L FOWLER ETUX
Mar 14, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2014 · Amount on Record
Deed Sale	Dec 12, 2014 · Amount on Record
Prior Sale	Feb 21, 2014 · Amount on Record
Deed Document Number	20145023
Deed Book / Page	1096 / 710
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	488 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0021010645
Date	Mar 30, 2026
Book Page	2101/645

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

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	488 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0021001767
Date	Mar 4, 2026
Book Page	2100/1767

Lender

Name	CHRISTI L FOWLER ETUX
Type	Private Party
Address	241 DEVENGER RD, GREER, SC 29650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Mar 4, 2030

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	488 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Mar 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020700120
Date	Mar 14, 2023
Book Page	2070/120

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	FLAT ROCK, NC 28731

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,208.00 (+42.1%)	$733,400 (-) Land $159,000 Building $574,400	$733,400 (-) Land $159,000 Building $574,400
2023		$733,400 Land $159,000 Building $574,400	$733,400 Land $159,000 Building $574,400
2022	$3,665.00
2021	$3,665.00

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	High above 72% of the US · above 93% of North Carolina
Wildfire Likelihood	0.2% 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 23 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
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

4G LTE only, no 5G reported

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