929 Proctor Rd, Lake Lure, NC 28746 Property Records

Rutherford County property record for 929 Proctor Rd, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,770 sqft · built 2017
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$62,000 (Mar 2007)
Tax Bill	$3,580 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1643559`

Property Details

APN / Parcel Number

Primary APN	`1643559`
Alternative APN	`50727`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,770 sqft Heated Area
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft
Flooring	Wood

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	148,104 sqft (3.4 acres)

Exterior Amenities

Porch	Slab
Porch Area	416 sqft
Deck Area	340 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Street Address	929 PROCTOR RD
City	LAKE LURE
State	NC
Zip	28746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	GPIN:0632155361720000; PROCTOR RD
Jurisdiction	RUTHERFORD NC
Township / Civil Division	CHIMNEY ROCK
Census Block Group	2
Census Block	2018
Census Tract	960302

Owner

Source: Rutherford County records, as of April 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 791, LAKE LURE, NC 28746-0791
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 2, 2017	Deed of Trust, Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2007 · Amount on Record
Deed Sale	Mar 30, 2007 · Amount on Record
Deed Document Number	2007200600014602
Deed Book / Page	929 / 567
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	929 PROCTOR RD, LAKE LURE, NC 28746
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020633938
Date	Aug 11, 2022
Book Page	2063/3938

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	929 PROCTOR RD, LAKE LURE, NC 28746
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020472695
Date	Jun 14, 2021
Book Page	2047/2695

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	929 PROCTOR RD, LAKE LURE, NC 28746
Document Number	0012430054
Book / Page	001243 / 000054
Instrument Date	Mar 2, 2017
Transaction Type	Mortgage
Record Updated	Mar 14, 2017
Title Company	QUALITY TITLE COMPANY, QUALITY TITLE AND ABSTRACT AGENC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PROCTOR RD LAKE LURE NC 28746, LAKE LURE, NC 28746

Mortgage

Document Number	0012430054
Date	Mar 6, 2017
Book Page	001243/000054
Instrument	8299

Lender

Name	CITIZENS BK
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2047

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Municipality	Lake Lure Town
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,580.00 (+7.73%)	$436,000 (-) Land $60,100 Building $375,900	$436,000 (-) Land $60,100 Building $375,900
2023		$436,000 Land $60,100 Building $375,900	$436,000 Land $60,100 Building $375,900
2022	$3,323.00
2021	$3,323.00

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 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	25 (2022–2024)
Claims Outside the SFHA	5 of 25
Most Recent Claim	Sep 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 Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.08% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fixed Wireless	500 / 250
AT&T DSL	10 / 1

Cell Coverage

No cell data coverage reported

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