Henderson County property record for 104 Joyce Rd, Hendersonville, NC 28792
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,872 sqft · built 1977 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,862 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Mar 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9661505441 |
| Primary APN | 9661505441 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,872 sqft Heated Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 27,878 sqft (0.64 acres) |
| Deck Area | 164 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Electric |
| Account Number | 1004911 |
|---|---|
| Street Address | 104 JOYCE RD |
| City | HENDERSONVILLE |
| State | NC |
| Zip | 28792-9241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1004911~R2 |
| Legal Description | L-N-L ESTATES LO2&9 |
| Legal Block | 50 |
| Legal Lot Number | 5451 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HOOPERS CREEK |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 930501 |
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 | 104 JOYCE RD, HENDERSONVILLE, NC 28792-9241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Mar 3, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 25, 2021 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Jun 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG |
| Feb 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 104 JOYCE RD, HENDERSONVILLE, NC 28792-9241 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040410677 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 4041/677 |
| Instrument | 1000997523 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Mar 3, 2022 |
| Property Address | 104 JOYCE RD, HENDERSONVILLE, NC 28792-9241 |
| Document Number | 0038780052 |
| Book / Page | 3878 / 52 |
| Map Reference | SL 800 |
| Instrument Date | Mar 1, 2022 |
| Instrument | 974868 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $645.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094 |
| Name | Verified Name |
|---|---|
| Address | 104 JOYCE RD, HENDERSONVILLE, NC 28792-9241 |
| Document Number | 0000974869 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 974869 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Index | 5-Year CMT |
| Max Rate | 9.15% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Oct 25, 2021 |
| Property Address | 104 JOYCE RD, HENDERSONVILLE, NC 28792-9241 |
| Document Number | 0038090229 |
| Book / Page | 3809 / 229 |
| Map Reference | SL 800 |
| Instrument Date | Oct 19, 2021 |
| Instrument | 965880 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $569.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1857 HOWARD GAP RD, HENDERSONVILLE, NC 28792-8012 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 104 JOYCE RD, HENDERSONVILLE, NC 28792-9241 |
| Document Number | 0033510091 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2019 |
| Title Company | FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 104 JOYCE RD HENDERSONVILLE NC 287929241, HENDERSONVILLE, NC 28792-9241 |
| Document Number | 0033510091 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 003351/000091 |
| Instrument | 905917 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 104 JOYCE RD, HENDERSONVILLE, NC 28792-9241 |
| Document Number | 0030180245 |
| Instrument Date | Feb 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 104 JOYCE RD HENDERSONVILLE NC 287929241, HENDERSONVILLE, NC 28792-9241 |
| Document Number | 0030180245 |
|---|---|
| Date | Feb 16, 2017 |
| Book Page | 003018/000245 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 15, 2032 |
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $341,100 (+5.87%) Land $64,500 Building $276,600 | ||
| 2025 | $1,862.00 | ||
| 2023 | $322,200 Land $64,500 Building $257,700 | $341,100 Land $64,500 Building $276,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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