106 Pine Tree Ln, Flat Rock, NC 28731 Property Records

Henderson County property record for 106 Pine Tree Ln, Flat Rock, NC 28731 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,692 sqft · built 1990
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,976 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9588860272`

Property Details

APN / Parcel Number

Primary APN	`9588860272`
Alternative APNs	`00958886027255` `9937397`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,692 sqft Heated Area
1st Floor Area	1,692 sqft
Basement Area	1,692 sqft
Unfinished Basement	1,692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,750 sqft (0.66 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	204 sqft
Deck Area	29 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9937397
Street Address	106 PINE TREE LN
City	FLAT ROCK
State	NC
Zip	28731-8607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE TREE ACRES LO8 PLA-328
Legal Subdivision	PINE TREE ACRES (2518)
Legal Block	86
Legal Lot Number	272
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1006
Census Tract	930302

Owner

Source: Henderson County records · APN 9588860272

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	106 PINE TREE LN, FLAT ROCK, NC 28731-8607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 30, 2012
Transfer Doc	0014990038
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	106 PINE TREE LN, FLAT ROCK, NC 28731-8607
Transaction Type	Mortgage
Record Updated	Jan 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037300646
Date	Jun 15, 2021
Book Page	3730/646
Instrument	955732

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 01, 2041

Tax Assessment & Valuation

Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$352,300 (-) Land $36,800 Building $315,500
2025	$1,976.00	$352,300 (-) Land $36,800 Building $315,500
2023		$352,300 Land $36,800 Building $315,500	$352,300 Land $36,800 Building $315,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Henderson County (37089C), updated October 12, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370899303021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 6 individual NFIP policies nearby
Nearby Flood Policies	6 in force 5 of 6 on primary residences
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2012, river or lake flooding

Wildfire

Wildfire Risk	Low above 35% of the US · above 49% of North Carolina
Wildfire Likelihood	About 1 in 2,128 per year
Exposure	Direct burnable vegetation at the parcel

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.