108 Scenic Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 108 Scenic Dr, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,315 sqft · built 1992
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Trust Names on File
Last Sale	$575,000 (Jan 2021)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9566889257`

Property Details

APN / Parcel Number

Primary APN	`9566889257`
Alternative APNs	`00956688925755` `9941461`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	3,315 sqft Heated Area
1st Floor Area	1,950 sqft
Upper Floors Area	1,365 sqft
Basement Area	1,950 sqft
Unfinished Basement	1,950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,787 sqft (1.12 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	77 sqft
Patio Area	192 sqft
Canopy	26 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9941461
Street Address	108 SCENIC DR
City	FLAT ROCK
State	NC
Zip	28731-9522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9941461~R-
Legal Description	KENMURE LO67 PHIII SEA PL1989-731
Legal Subdivision	KENMURE PHASE III (3503)
Legal Phase	3
Legal Block	88
Legal Lot Number	9257
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	2
Census Block	2015
Census Tract	931500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Carl Sandburg Home National Historic Site listed 1968 · 32 contributing resources · National Historic Landmark (designated 1968) · NRIS 68000013

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

108 Scenic Dr is owner-occupied and held in a trust since April 2021.

Source: Henderson County records, as of October 13, 2026

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

Owner of Record	2 Trust Names on File
Mailing Address	108 SCENIC DR, FLAT ROCK, NC 28731-9522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 7, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2021 · Amount on File
Deed Sale	Jan 7, 2021 · Amount on File
Deed Document Number	2021942138
Deed Book / Page	3631 / 283
Last Transfer Date	Apr 8, 2021
Transfer Doc	0036880330
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	108 SCENIC DR, FLAT ROCK, NC 28731-9522
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038200680
Date	Nov 16, 2021
Book Page	3820/680
Instrument	967430

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	108 SCENIC DR, FLAT ROCK, NC 28731-9522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031820657
Date	Apr 5, 2018
Book Page	3182/657

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 7, 2021
Property Address	108 SCENIC DR, FLAT ROCK, NC 28731-9522
Document Number	0036310283
Book / Page	3631 / 283
Map Reference	SL 731
Instrument Date	Dec 16, 2020
Instrument	942138
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	$1,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 SCENIC DR, FLAT ROCK, NC 28731-9522

Mortgage

Document Number	942139
Date	Jan 7, 2021
Instrument	942139

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 108 Scenic Dr was $3,361.

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$780,000 (-) Land $91,400 Building $688,600
2025	$3,361.00	$780,000 Land $91,400 Building $688,600
2023		$780,000 Land $91,400 Building $688,600	$780,000 Land $91,400 Building $688,600

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

Flood

FEMA maps place 108 Scenic Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Flood Insurance Cost	Premium on File median of 10 individual policies
Nearby Flood Policies	22 units insured incl. 12 condo units
Nearby Flood Claims	1 (2018)
Most Recent Claim	Oct 2018 · river or lake flooding

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 108 Scenic Dr is low, with a 0.03% annual chance of wildfire.

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.

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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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