103 Cliffbrook Ct, Flat Rock, NC 28731 Property Records

Henderson County property record for 103 Cliffbrook Ct, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,752 sqft · built 2003
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Jun 2018)
Tax Bill	$5,276 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9566723853`

Property Details

APN / Parcel Number

Primary APN	`9566723853`
Alternative APNs	`00956672385355` `9947411`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	4,752 sqft Heated Area
1st Floor Area	2,540 sqft
Basement Area	2,479 sqft
Finished Basement	2,190 sqft
Unfinished Basement	289 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,530 sqft (1.16 acres)
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,424 sqft
Deck Area	20 sqft
Balcony Area	22 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9947411
Street Address	103 CLIFFBROOK CT
City	FLAT ROCK
State	NC
Zip	28731-9577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9947411~R-
Legal Description	KENMURE LO16 PHIV SEI PL1992-1352
Legal Subdivision	KENMURE PHASE IV (3669)
Legal Phase	4
Legal Block	72
Legal Lot Number	3853
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	931500

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	103 CLIFFBROOK CT, FLAT ROCK, NC 28731-9577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jun 26, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Deed Book / Page	3215 / 631
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	103 CLIFFBROOK CT, FLAT ROCK, NC 28731-9577
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034840168
Date	Apr 29, 2020
Book Page	3484/168
Instrument	923957

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jun 26, 2018
Property Address	103 CLIFFBROOK CT, FLAT ROCK, NC 28731-9577
Document Number	0032150631
Book / Page	3215 / 631
Instrument Date	Jun 21, 2018
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CLIFFBROOK CT, FLAT ROCK, NC 28731-9577

Mortgage

Document Number	0032150634
Date	Jun 26, 2018
Book Page	3215/634

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,224,200 (-) Land $114,400 Building $1,109,800
2025	$5,276.00
2023		$1,224,200 Land $114,400 Building $1,109,800	$1,224,200 Land $114,400 Building $1,109,800

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
Flood Insurance Cost	Premium on Record median of 10 individual policies
Nearby Flood Policies	22 units insured incl. 12 condo units
Nearby Flood Claims	1 (2018)
Most Recent Claim	Oct 2018 · river or lake flooding

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HENDERSONVILLE serves 79,278 people · EPA ID NC0145010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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