100 Ridgeway Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 100 Ridgeway Dr, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,652 sqft · built 1979
Lot Size	10 acres (438,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Dec 2020)
Tax Bill	$3,084 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9587854961`

Property Details

APN / Parcel Number

Primary APN	`9587854961`
Alternative APNs	`0201710` `201710`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,652 sqft Heated Area
1st Floor Area	1,358 sqft
Basement Area	1,405 sqft
Unfinished Basement	1,405 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	438,649 sqft (10 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	224 sqft
Patio Area	380 sqft
Shed	1 Shed
Shed Area	288 sqft
Canopy	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	201710
Street Address	100 RIDGEWAY DR
City	FLAT ROCK
State	NC
Zip	28731-9665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	201710~R2R
Legal Description	SR1805 ON RIDGEWAY DR
Legal Block	85
Legal Lot Number	4961
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1025
Census Tract	930201

Owner

Source: Henderson County records, as of July 14, 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	100 RIDGEWAY DR, FLAT ROCK, NC 28731-9665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 17, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK
Aug 19, 2019	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Deed Document Number	2020940736
Deed Book / Page	3619 / 481
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	100 RIDGEWAY DR, FLAT ROCK, NC 28731-9665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031620545
Date	Feb 13, 2018
Book Page	3162/545

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Dec 17, 2020
Property Address	100 RIDGEWAY DR, FLAT ROCK, NC 28731-9665
Document Number	0036190481
Book / Page	3619 / 481
Instrument Date	Dec 14, 2020
Instrument	940736
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 NANCY BRANCH RD, 110, SOMERSET, KY 42501-5662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 RIDGEWAY DR, FLAT ROCK, NC 28731-9665

Mortgage

Document Number	940737
Date	Dec 17, 2020
Instrument	940737

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

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

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENDERSON NC
Property Address	100 RIDGEWAY DR, FLAT ROCK, NC 28731-9665
Document Number	0033880527
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 RIDGEWAY DR FLAT ROCK NC 287319665, FLAT ROCK, NC 28731-9665

Mortgage

Document Number	0033880527
Date	Sep 19, 2019
Book Page	003388/000527
Instrument	911267

Lender

Name	WELLS FARGO BK
Type	Bank
Address	CHARLOTTE, NC 28262

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$584,300 (-) Land $170,700 Building $413,600
2025	$3,084.00
2023		$584,300 Land $170,700 Building $413,600	$584,300 Land $170,700 Building $413,600

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 October 12, 2025 · 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
Nearby Flood Policies	1 in force

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	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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