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657 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 657 Main St, Chimney Rock, NC 28720

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,980 sqft · built 2012
Lot Size0.44 acres (19,166 sqft)
OwnerCompany Name on Record
Last Sale$775,000 (Sep 2015)
Tax Bill$82 (2025)
Deeds & MortgagesDec 2022 Sale
Apr 2018 Transfer
Flood ZoneZone AE (high risk)
APN1638177

Property Details

APN / Parcel Number

Primary APN1638177
Alternative APN
  • 46349

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,980 sqft Heated Area
FlooringWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area19,166 sqft (0.44 acres)

Exterior Amenities

PorchSlab
Porch Area280 sqft
Deck Area30 sqft
Patio Area430 sqft

Utilities, Heating & Cooling

Cooling SystemFan Cooling
Heating SystemHeat Pump

Location & Zoning

Street Address657 MAIN ST
CityCHIMNEY ROCK
StateNC
Zip28720
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFALLS AT CHIM ROCK LO:4 PL:26-184
Legal SubdivisionFALLS AT CHIMNEY ROCK
Legal Lot Number4
JurisdictionRUTHERFORD NC
Township / Civil DivisionCHIMNEY ROCK
Census Block Group2
Census Block2030
Census Tract960302

Owner

Source: Rutherford County records, as of August 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address7455 EMERALD DUNES DR, 800, ORLANDO, FL 32822-5193
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2022Special Warranty Deed, Transfer
Apr 23, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 29, 2015 · Amount on Record
Deed SaleSep 29, 2015 · Amount on Record
Deed Document Number20152932
Deed Book / Page1113 / 450
Last Transfer DateApr 17, 2018
Transfer Doc0020000035
Record UpdatedJun 8, 2026

December 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionRUTHERFORD NC
Recording DateDec 1, 2022
Property Address657 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number0020671554
Book / Page2067 / 1554
Instrument DateNov 30, 2022
Transaction TypeTransfer
Record UpdatedSep 14, 2023

Transaction

AmountAmount Recorded
Tax$9,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 617, JEFFERSON CITY, TN 37760-0617

Transferred To (Grantee/Buyer)

NameVerified Name
Address7455 EMERALD DUNES DR, ORLANDO, FL 32822-5185

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionRUTHERFORD NC
Recording DateApr 23, 2018
Property Address657 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number0020000035
Book / Page002000 / 000035
Instrument DateApr 17, 2018
Instrument9736
Transaction TypeTransfer
Record UpdatedMay 15, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
AddressPO BOX 617 JEFFERSON CITY TN 377600617, JEFFERSON CITY, TN 37760-0617

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$82.00 (-96.96%)$5,300 (-99.12%) Land $1,800 Building $3,500$5,300 (-99.12%) Land $1,800 Building $3,500
2023$599,700 Land $275,000 Building $324,700$599,700 Land $275,000 Building $324,700
2022$2,700.00
2021$2,700.00

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayYes
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
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 57% of the US · above 80% 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.

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 (outdoors only), no 5G reported

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