550 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 550 Main St, Chimney Rock, NC 28720

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,448 sqft · built 2000
Lot Size	41.4 acres (1,804,691 sqft)
Owner	Individual Name on File
Last Sale	$2,500,000 (Apr 2024)
Tax Bill	$3,206 (2022)
Deeds & Mortgages	Apr 2024 Sale Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1646396`

Property Details

APN / Parcel Number

Primary APN	`1646396`
Alternative APN	`52944`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,448 sqft Heated Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Split Level
Exterior Material	Logs
Foundation Type	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	1,804,691 sqft (41.4 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	1,053 sqft
Patio Area	1,053 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	52944
Street Address	550 MAIN ST
City	CHIMNEY ROCK
State	NC
Zip	28720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:0633171122520000; LOG HOUSE HWY 64-70A (WC)
Legal Block	1
Legal Lot Number	1
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	1
Census Block	1033
Census Tract	960301

Owner

550 Main St is owned by an individual who bought it in April 2024.

Source: Rutherford County records, as of May 7, 2024

Owner of Record	Individual Name on File
Mailing Address	856 BIG WILLOW RD, HENDERSONVILLE, NC 28739-2515
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Warranty Deed, Transfer
Feb 7, 2018	Deed of Trust, Mortgage · Line of Credit CAROLINA TRUST BANK
May 11, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2024 · Amount on File
Deed Sale	Apr 18, 2024 · Amount on File
Prior Sale	May 11, 2022 · Amount on File
Deed Document Number	0020804299
Deed Book / Page	2080 / 4299
Record Updated	Jun 7, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 18, 2024
Property Address	550 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020804299
Book / Page	2080 / 4299
Instrument Date	Mar 28, 2024
Transaction Type	Transfer
Record Updated	May 8, 2024

Transaction

Amount	Amount on Record
Tax	$5,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 BIG WILLOW RD, HENDERSONVILLE, NC 28739-2515
Investor	Possibly a Property Investor

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	550 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012670735
Date	Feb 7, 2018
Book Page	1267/735
Instrument	201700007116

Lender

Name	CAROLINA TRUST BANK
Type	Bank
Address	LAKE LURE, NC 28746

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 11, 2022
Property Address	550 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020603047
Book / Page	2060 / 3047
Instrument Date	May 10, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Tax	$3,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 N ANVIL AVE, 10, HENDERSONVILLE, NC 28792-0033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4141 HIGHWAY 9, BOILING SPRINGS, SC 29316-8580

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

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
2023		$1,553,600 Land $931,300 Building $622,300	$1,553,600 Land $931,300 Building $622,300
2022	$3,206.00
2021	$3,206.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 550 Main St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 2021.

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 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	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

Wildfire risk around 550 Main St is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 86% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Pangaea Internet, Vyve Broadband.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Main St

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