Vance County property record for 1045 E Montgomery St, Henderson, NC 27536
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1973 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Company Name on Record |
| Last Sale | $14,000 (Mar 2014) |
| Tax Bill | $1,398 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0077 07009B |
| Primary APN | 0077 07009B |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 816 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Roof Type | Gable |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Width | 67 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1021433 |
|---|---|
| Street Address | 1045 E MONTGOMERY ST |
| City | HENDERSON |
| State | NC |
| Zip | 27536-5139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR6 |
| Legal Description | 1045 E MONTGOMERY ST |
| Legal Block | 07 |
| Jurisdiction | VANCE NC |
| Township / Civil Division | HENDERSON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 960700 |
Source: Vance County records, as of March 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1191, HENDERSON, NC 27536-1191 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Commercial Mortgage BENCHMARK COMMUNITY BANK |
| Jul 17, 2017 | Deed of Trust, Mortgage UNION BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2014 · Amount on Record |
| Deed Sale | Mar 12, 2014 · Amount on Record |
| Prior Sale | Jun 21, 2013 · Amount on Record |
| Deed Document Number | 2014827 |
| Deed Book / Page | 1276 / 181 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VANCE NC |
| Property Address | 1045 E MONTGOMERY ST, HENDERSON, NC 27536-5139 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 416 US HWY #C C, C, YOUNGSVILLE, NC 27596 |
| Document Number | 0001475/84 |
|---|---|
| Date | Mar 18, 2026 |
| Book Page | 1475/84 |
| Instrument | 863 |
| Name | BENCHMARK COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, NC 27536 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VANCE NC |
| Property Address | 1045 E MONTGOMERY ST, HENDERSON, NC 27536-5139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1329/0863 |
|---|---|
| Date | Jul 17, 2017 |
| Book Page | 1329/0863 |
| Instrument | 02818 |
| Name | UNION BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | OXFORD, NC 27565 |
| Amount | Amount Recorded |
|---|---|
| Term | 24 Months |
| Due | Jul 14, 2019 |
Source: Vance County assessment roll, as of August 5, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Vance County |
| Municipality | Henderson City |
| Unified School District | Vance County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,398.00 (+148.75%) | $91,907 (+240.89%) Land $5,130 Building $86,777 | $91,907 (+240.89%) Land $5,130 Building $86,777 |
| 2023 | $562.00 | $26,961 Land $6,030 Building $20,931 | $26,961 Land $6,030 Building $20,931 |
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 September 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HENDERSON-KERR LAKE REG WTR serves 14,937 people · EPA ID NC0291010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 364 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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