109 Tumblebug Trail Rd, Flat Rock, NC 28731 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,400 sqft · built 2009
Lot Size	1.27 acres (55,321 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jun 2026)
Tax Bill	$2,337 (2025)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan Feb 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10050816910555`

Property Details

APN / Parcel Number

Primary APN	`10050816910555`
Alternative APNs	`508169105` `9930889`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,400 sqft Heated Area
1st Floor Area	1,200 sqft
Upper Floors Area	600 sqft
Basement Area	1,200 sqft
Finished Basement	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	55,321 sqft (1.27 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9930889
Street Address	109 TUMBLEBUG TRAIL RD
City	FLAT ROCK
State	NC
Zip	28731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9930889~R3
Legal Description	RIVER RIDGE LO3 PLA-213A
Legal Subdivision	RIVER RIDGE SD
Legal Block	16
Legal Lot Number	9105
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1000
Census Tract	930201

Owner

Source: Henderson County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	109 TUMBLEBUG TRAIL RD, FLAT ROCK, NC 28731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · Construction Mortgage ATLANTIC BAY MORTGAGE
Feb 9, 2022	Warranty Deed, Transfer · Line of Credit BUILDER FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Apr 2, 2025 · Amount on Record
Deed Document Number	20261051547
Deed Book / Page	4455 / 684
Prior Transfer Date	Apr 1, 2025
Prior Transfer Doc	0042740282
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jun 25, 2026
Property Address	109 TUMBLEBUG TRAIL RD, FLAT ROCK, NC 28731
Document Number	0001051547
Book / Page	4455 / 684
Instrument Date	Jun 16, 2026
Instrument	20261051547
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 TUMBLEBUG TRAIL RD, FLAT ROCK, NC 28731

Mortgage

Document Number	0001051548,
Date	Jun 25, 2026
Instrument	20261051548

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Feb 9, 2022
Property Address	109 TUMBLEBUG TRAIL RD, FLAT ROCK, NC 28731
Document Number	0038660591
Book / Page	3866 / 591
Map Reference	CAB A SL 213
Instrument Date	Feb 8, 2022
Instrument	973294
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1140, WEAVERVILLE, NC 28787-1140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1413, ARDEN, NC 28704-1413

Mortgage

Document Number	0000973295
Date	Feb 9, 2022
Instrument	973295

Lender

Name	BUILDER FINANCE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	8 Months
Due	Oct 8, 2022

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		$409,400 (-) Land $48,200 Building $361,200
2025	$2,337.00 (+58.66%)	$409,400 (+79.48%) Land $48,200 Building $361,200
2024	$1,473.00
2023		$228,100 Land $48,200 Building $179,900	$409,400 Land $48,200 Building $361,200

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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.08% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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