109 Suttles Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 109 Suttles Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1976
Lot Size	2.75 acres (119,790 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,334 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9597240855`

Property Details

APN / Parcel Number

Primary APN	`9597240855`
Alternative APNs	`0200616` `200616`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,242 sqft Heated Area
1st Floor Area	1,242 sqft
Basement Area	1,242 sqft
Unfinished Basement	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1983
Architectural Style	Split Level
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	119,790 sqft (2.75 acres)
Garage Type	Detached
Garage Area	1,176 sqft
Parking Spaces	4 Parking Spaces
Deck Area	354 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	200616
Street Address	109 SUTTLES RD
City	FLAT ROCK
State	NC
Zip	28731-9658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	200616~R3
Legal Description	SR1470 ON HOWARD GAP LOOP
Legal Subdivision	BLUE RIDGE
Legal Block	24
Legal Lot Number	855
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1025
Census Tract	930201

Owner

Source: Henderson County records, as of July 14, 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 Record
Mailing Address	109 SUTTLES RD, FLAT ROCK, NC 28731-9658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 22, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 21, 2007
Transfer Doc	0013450732
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	109 SUTTLES RD, FLAT ROCK, NC 28731-9658
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041100642
Date	Nov 29, 2023
Book Page	4110/642
Instrument	1001007149

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	109 SUTTLES RD, FLAT ROCK, NC 28731-9658
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030220101
Date	Feb 27, 2017
Book Page	3022/101
Instrument	858573

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	109 SUTTLES RD, FLAT ROCK, NC 28731-9658
Document Number	0034430109
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SUTTLES RD FLAT ROCK NC 287319658, FLAT ROCK, NC 28731-9658

Mortgage

Document Number	0034430109
Date	Jan 27, 2020
Book Page	003443/000109
Instrument	918731

Lender

Name	STATE EMPS CU
Address	FLAT ROCK, NC 28731

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$237,900 (-) Land $57,500 Building $180,400
2025	$1,334.00	$237,900 (+1.75%) Land $57,500 Building $180,400
2023		$233,800 Land $57,500 Building $176,300	$237,900 Land $57,500 Building $180,400

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: AT&T, Optimum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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