982 Main St, Chimney Rock, NC 28720 Property Records

Rutherford County property record for 982 Main St, Chimney Rock, NC 28720

Property Summary

Property Type	Vacant Land
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Company Names on Record
Last Sale	$299,500 (Jul 2020)
Tax Bill	$246 (2025)
Deeds & Mortgages	Jan 2026 Transfer Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0218165`

Property Details

APN / Parcel Number

Primary APN	`0218165`
Alternative APNs	`218165` `649`

Exterior

Lot Area	38,768 sqft (0.89 acres)
Porch	Porch
Porch Area	143 sqft
Patio Area	824 sqft

Location & Zoning

Street Address	982 MAIN ST
City	CHIMNEY ROCK
State	NC
Zip	28720
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
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 February 17, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 21, BLACK MOUNTAIN, NC 28711-0021
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Intrafamily Transfer, Transfer
Oct 6, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 18, 2021	Warranty Deed, Transfer
Mar 17, 2021	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS LLC
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage RONALD & LUCRETIA POOVEY
Jan 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Oct 28, 2011 · Amount on Record
Deed Book / Page	2034 / 2542
Last Transfer Date	Jan 20, 2026
Transfer Doc	0020991881
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Jan 30, 2026
Property Address	982 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020991881
Book / Page	2099 / 1881
Instrument Date	Jan 20, 2026
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 21, BLACK MOUNTAIN, NC 28711-0021

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	982 MAIN ST, CHIMNEY ROCK, NC 28720
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 MAIN ST, CHIMNEY ROCK, NC 28720

Mortgage

Document Number	0020954698
Date	Oct 6, 2025
Book Page	2095/4698

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 18, 2021
Property Address	982 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020440117
Book / Page	2044 / 117
Instrument Date	Mar 9, 2021
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	982 MAIN STREET, CHIMNEY ROCK, NC 28720

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	982 MAIN STREET, CHIMNEY ROCK, NC 28720

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RUTHERFORD NC
Recording Date	Mar 17, 2021
Property Address	982 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020440009
Book / Page	2044 / 9
Map Reference	MB 1031 PG 785
Instrument Date	Mar 9, 2021
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 MAIN STREET, CHIMNEY ROCK, NC 28720

Mortgage

Document Number	0000204415
Date	Mar 17, 2021
Instrument	2044/15

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	982 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0020353391
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	366 MAIN ST CHIMNEY ROCK NC 287209700, CHIMNEY ROCK, NC 28720-9700

Mortgage

Document Number	0020353391
Date	Aug 10, 2020
Book Page	002035/003391

Lender

Name	RONALD & LUCRETIA POOVEY
Address	620 28TH AVENUE CT NE, HICKORY, NC 28601-9277

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 9, 2025

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Jan 31, 2017
Property Address	982 MAIN ST, CHIMNEY ROCK, NC 28720
Document Number	0011430724
Book / Page	001143 / 000724
Instrument Date	Jan 26, 2017
Instrument	7108
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4028 6TH ST NW HICKORY NC 286018042, HICKORY, NC 28601-8042

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	$246.00 (-84.51%)	$1,700 (-99.54%) Land $1,700	$1,700 (-99.54%) Land $1,700
2023		$366,000 Land $75,000 Building $291,000	$366,000 Land $75,000 Building $291,000
2022	$1,588.00
2021	$1,588.00

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 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 51% of the US · above 72% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 20 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

Cell Coverage

4G LTE only, no 5G reported

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