712 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 712 Main St, Chimney Rock, NC 28720

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,714 sqft · built 1948
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Tax Bill	$1,826 (2022)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1631212`

Property Details

APN / Parcel Number

Primary APN	`1631212`
Alternative APN	`41360`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,714 sqft Heated Area
Gross Area	2,694 sqft
Basement Area	980 sqft
Finished Basement	980 sqft
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1978
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	13,504 sqft (0.31 acres)
Deck Area	25 sqft
Patio Area	145 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	41360
Street Address	712 MAIN ST
City	CHIMNEY ROCK
State	NC
Zip	28720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GPIN:0633170107410000; HWY 64-74A
Legal Subdivision	PORTION/R&B INVS LLC PROP
Legal Block	1
Legal Lot Number	2B
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 September 13, 2023

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
Co-owner	Co-owner on Record
Mailing Address	PO BOX 148, CHIMNEY ROCK, NC 28720-0148
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 8, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000834301
Record Updated	Jun 7, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	712 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020534568
Date	Nov 18, 2021
Book Page	2053/4568

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	712 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020422670
Date	Feb 12, 2021
Book Page	2042/2670

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	712 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0012570602
Book / Page	001257 / 000602
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 MAIN ST CHIMNEY ROCK NC 28720, CHIMNEY ROCK, NC 28720

Mortgage

Document Number	0012570602
Date	Sep 12, 2017
Book Page	001257/000602
Instrument	2416

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Sep 11, 2042

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		$405,900 Land $75,000 Building $330,900	$405,900 Land $75,000 Building $330,900
2022	$1,826.00
2021	$1,826.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 61% of the US · above 83% 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 only, no 5G reported

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