103 Saddle Top, Flat Rock, NC 28731 Property Records

Henderson County property record for 103 Saddle Top, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,228 sqft · built 2007
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Trust Names on File
Last Sale	$535,000 (Aug 2023)
Tax Bill	$2,424 (2025)
Deeds & Mortgages	Aug 2023 Sale Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9585294919`

Property Details

APN / Parcel Number

Primary APN	`9585294919`
Alternative APNs	`00958529491955` `9958521`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,228 sqft Heated Area
1st Floor Area	1,679 sqft
Basement Area	1,689 sqft
Finished Basement	529 sqft
Unfinished Basement	1,160 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Block
Lot Area	30,928 sqft (0.71 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Balcony Area	10 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9958521
Street Address	103 SADDLE TOP
City	FLAT ROCK
State	NC
Zip	28731-6823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9958521~R2
Legal Description	GREENBRIAR LO76 PH2 SE3A PL1996-2288
Legal Subdivision	GREENBRIAR S/D PH II SEC II (3698)
Legal Phase	2
Legal Block	29
Legal Lot Number	4919
Jurisdiction	HENDERSON NC
Township / Civil Division	GREEN RIVER
Census Block Group	1
Census Block	1034
Census Tract	932000

Owner

103 Saddle Top is held in a trust since August 2023.

Source: Henderson County records, as of July 14, 2026

Owner of Record	2 Trust Names on File
Mailing Address	103 SADDLE TOP, FLAT ROCK, NC 28731-6823
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Warranty Deed, Transfer
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Feb 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2023 · Amount on File
Deed Sale	Aug 30, 2023 · Amount on File
Prior Sale	Aug 25, 2020 · Amount on File
Deed Document Number	20231002941
Deed Book / Page	4081 / 216
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 30, 2023
Property Address	103 SADDLE TOP, FLAT ROCK, NC 28731-6823
Document Number	0040810216
Book / Page	4081 / 216
Instrument Date	Aug 29, 2023
Instrument	1001002941
Transaction Type	Transfer
Record Updated	Mar 6, 2024

Transaction

Amount	Amount on Record
Tax	$1,070.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SADDLE TOP, FLAT ROCK, NC 28731-6823

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 25, 2020
Property Address	103 SADDLE TOP, FLAT ROCK, NC 28731-6823
Document Number	0035490289
Book / Page	3549 / 289
Map Reference	SL 2288
Instrument Date	Aug 25, 2020
Instrument	931993
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	67 CHESTNUT LN, 67, HENDERSONVILLE, NC 28792-9304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SADDLE TOP, FLAT ROCK, NC 28731-6823

Mortgage

Document Number	931994
Date	Aug 25, 2020
Instrument	931994

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Feb 24, 2017
Property Address	103 SADDLE TOP, FLAT ROCK, NC 28731-6823
Document Number	0030210263
Book / Page	003021 / 000263
Instrument Date	Dec 7, 2016
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 SADDLE TOP RD FLAT ROCK NC 287316823, FLAT ROCK, NC 28731-6823

Tax Assessment & Valuation

The 2025 property tax bill for 103 Saddle Top was $2,424.

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		$432,200 Land $68,200 Building $364,000
2025	$2,424.00
2023		$432,200 Land $68,200 Building $364,000	$432,200 Land $68,200 Building $364,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Saddle Top in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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	7 in force
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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

Wildfire risk around 103 Saddle Top is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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