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See also the North Carolina Condominium Act (NCGS § 47C).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · FHA condo approval records
Relatively Moderate composite risk for this neighborhood area · 73rd percentile of NC neighborhood areas
22 federal disaster declarations for this county, including 8 hurricanes, most recent Jan 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · LAKE LURE, TOWN OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 28746
2020 +1.9% · 2021 +14.3% · 2022 +19.2% · 2023 +0.1% · 2024 +0.3% · 2025 +11.9%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
4% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Most recent significant event in Rutherford County: Flood, Sep 27, 2024.
Post-storm federal aerial imagery exists for this location: Hurricane Helene, 2024.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Rutherford County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 28746 · 2022
Average premium changed +3.1% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Cross-referenced public records
On file as THE MOUNTAINS AT LAKE LURE
Principal address · Legal name · Type
Filed as shown; displayed as The Mountains at Lake Lure
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Public record
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