Henderson County property record for 109 Kenmure Dr, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 5,283 sqft · built 1992 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,500,000 (Jul 2020) |
| Tax Bill | $6,823 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9576146596 |
| Primary APN | 9576146596 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 5,283 sqft Heated Area |
| 1st Floor Area | 2,642 sqft |
| Upper Floors Area | 1,321 sqft |
| Basement Area | 1,321 sqft |
| Finished Basement | 1,189 sqft |
| Unfinished Basement | 132 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Area | 729 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Patio |
| Porch Area | 148 sqft |
| Deck Area | 765 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9943030 |
|---|---|
| Street Address | 109 KENMURE DR |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9943030~R- |
| Legal Description | KENMURE LO3 SEJ PLA-20A |
| Legal Subdivision | KENMURE (2272) |
| Legal Block | 14 |
| Legal Lot Number | 6596 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 931500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Flat Rock Historic District (Boundary Increase, Decrease and Additional Documentation) listed 2015 · 27 contributing resources · NRIS 14001176 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
109 Kenmure Dr is held in a trust since July 2020.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 8725 PLACIDA RD, 7, PLACIDA, FL 33946-2429 |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Dec 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2020 · Amount on File |
| Deed Sale | Jul 30, 2020 · Amount on File |
| Prior Sale | Oct 3, 2011 |
| Deed Document Number | 2020930104 |
| Deed Book / Page | 3534 / 668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 109 KENMURE DR, FLAT ROCK, NC 28731-9780 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0038320622 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 3832/622 |
| Instrument | 968984 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Jan 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.37% |
| Index | Other |
| Max Rate | 7.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Jul 30, 2020 |
| Property Address | 109 KENMURE DR, FLAT ROCK, NC 28731-9780 |
| Document Number | 0035340668 |
| Book / Page | 3534 / 668 |
| Map Reference | CAB A SL 20-A |
| Instrument Date | Jul 20, 2020 |
| Instrument | 930104 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 198 OKATIE VILLAGE DR # DR103-15, 198, BLUFFTON, SC 29909-7527 |
| Name | Verified Name |
|---|---|
| Address | 8725 PLACIDA RD # 7-507, 7, CAPE HAZE, FL 33946-2429 |
| Document Number | 930105 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 930105 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.62% |
| Index | 1-Year LIBOR |
| Max Rate | 7.62% |
The 2025 property tax bill for 109 Kenmure Dr was $6,823.
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Municipality | Flat Rock Village |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,583,100 Land $186,000 Building $1,397,100 | ||
| 2025 | $6,823.00 | ||
| 2023 | $1,583,100 Land $186,000 Building $1,397,100 | $1,583,100 Land $186,000 Building $1,397,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Kenmure 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 risk around 109 Kenmure Dr is low, with a 0.04% 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 | 0.04% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 60 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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