997 Proctor Rd, Lake Lure, NC 28746 Property Records

Rutherford County property record for 997 Proctor Rd, Lake Lure, NC 28746

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,054 sqft · built 2003
Lot Size	10 acres (436,036 sqft)
Owner	Individual Name on Record
Last Sale	$322,500 (Dec 2022)
Tax Bill	$4,319 (2022)
Deeds & Mortgages	Dec 2022 Sale Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1629765`

Property Details

APN / Parcel Number

Primary APN	`1629765`
Alternative APN	`40477`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,054 sqft Heated Area
Gross Area	2,108 sqft
Basement Area	1,054 sqft
Finished Basement	1,054 sqft
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Logs
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	436,036 sqft (10 acres)
Garage Area	900 sqft
Porch	Open Porch
Porch Area	297 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	40477
Street Address	997 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:0632155245660000; RES POOL CREEK PROCTOR RD
Legal Block	1
Legal Lot Number	7S
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 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	6308 COCOA LN, APOLLO BEACH, FL 33572-2317
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Apr 20, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	Apr 20, 2020 · Amount on Record
Deed Document Number	0020674364
Deed Book / Page	2067 / 4364
Record Updated	Jun 7, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Dec 20, 2022
Property Address	997 PROCTOR RD, LAKE LURE, NC 28746
Document Number	0020674364
Book / Page	2067 / 4364
Instrument Date	Dec 14, 2022
Transaction Type	Transfer
Record Updated	Jan 3, 2023

Transaction

Amount	Amount Recorded
Tax	$1,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9304 MINT LAKE DR, INDIAN TRAIL, NC 28079-8793

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6308 COCOA LN, APOLLO BEACH, FL 33572-2317

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	997 PROCTOR RD, LAKE LURE, NC 28746
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020311761
Date	Mar 19, 2020
Book Page	2031/1761

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Apr 20, 2020
Property Address	997 PROCTOR RD, LAKE LURE, NC 28746
Document Number	0020320627
Book / Page	002032 / 000627
Instrument Date	Apr 20, 2020
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$955.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9304 MINT LAKE DR INDIAN TRAIL NC 280798793, INDIAN TRAIL, NC 28079-8793

Tax Assessment & Valuation

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

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
2023		$554,500 Land $150,600 Building $403,900	$554,500 Land $150,600 Building $403,900
2022	$4,319.00
2021	$4,319.00

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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.07% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
AT&T DSL	10 / 1

Cell Coverage

No cell data coverage reported

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