Henderson County property record for 104 Kemp St, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,610 sqft · built 1995 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Oct 2020) |
| Tax Bill | $1,840 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9597378674 |
| Primary APN | 9597378674 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,610 sqft Heated Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Finished Basement | 1,170 sqft |
| Unfinished Basement | 62 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 32,670 sqft (0.75 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Deck Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10001125 |
|---|---|
| Street Address | 104 KEMP ST |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10001125~R |
| Legal Description | EAGLE VIEW LO5R PL2015-9745 |
| Legal Subdivision | EAGLE VIEW SUBDIVISION |
| Legal Block | 37 |
| Legal Lot Number | 8674 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 930201 |
104 Kemp St is owned and occupied by two individuals who bought it in October 2020.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 KEMP ST, FLAT ROCK, NC 28731-7754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 17, 2018 | Deed of Trust, Mortgage UNITED COMMUNITY BANK |
| Oct 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on File |
| Deed Sale | Oct 23, 2020 · Amount on File |
| Deed Document Number | 2020936478 |
| Deed Book / Page | 3585 / 539 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 104 KEMP ST, FLAT ROCK, NC 28731-7754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031530496 |
|---|---|
| Date | Jan 17, 2018 |
| Book Page | 3153/496 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | Jan 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Oct 23, 2020 |
| Property Address | 104 KEMP ST, FLAT ROCK, NC 28731-7754 |
| Document Number | 0035850539 |
| Book / Page | 3585 / 539 |
| Map Reference | SL 2243 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 936478 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 508 MINE GAP RD, 508, ZIRCONIA, NC 28790-8814 |
| Name | Verified Name |
|---|---|
| Address | 104 KEMP ST, FLAT ROCK, NC 28731-7754 |
| Document Number | 936479 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 936479 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 104 Kemp St was $1,840.
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 | $329,200 Land $52,700 Building $276,500 | ||
| 2025 | $1,840.00 | ||
| 2023 | $304,000 Land $52,700 Building $251,300 | $329,200 Land $52,700 Building $276,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Kemp St in Zone X, an area of minimal flood risk.
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 risk around 104 Kemp St is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures