Henderson County property record for 111 Richards Dr, Hendersonville, NC 28792
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 3 ba · 3,208 sqft · built 1976 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,825 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2025 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9661327105 |
| Primary APN | 9661327105 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,208 sqft Heated Area |
| 1st Floor Area | 1,604 sqft |
| Basement Area | 1,604 sqft |
| Finished Basement | 1,604 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,216 sqft (0.51 acres) |
| Porch | Slab |
| Porch Area | 126 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 701863 |
|---|---|
| Street Address | 111 RICHARDS DR |
| City | HENDERSONVILLE |
| State | NC |
| Zip | 28792-9254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 701863~R2 |
| Legal Description | PLEASANT ACRES LO9 PLC-244A |
| Legal Subdivision | PLEASANT ACRES (2523) |
| Legal Block | 32 |
| Legal Lot Number | 7105 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HOOPERS CREEK |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 930501 |
Source: Henderson County records, as of September 1, 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 | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE CAPITAL |
| Sep 10, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| May 30, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Sep 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 27, 2021 | Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2009 |
| Deed Sale | Feb 17, 2009 |
| Deed Book / Page | 1387 / 251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Jun 23, 2026 |
| Property Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Document Number | 0001051372 |
| Book / Page | 4454 / 330 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20261051372 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Document Number | 0001051372, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 4454/330 |
| Instrument | 20261051372 |
| Name | MORTGAGE CAPITAL |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | UNKNOWN, MULTIPLE |
| Name | Verified Name |
|---|
| Document Number | 0043360237 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 4336/237 |
| Instrument | 1001036809 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY CO COM |
| Name | Verified Name |
|---|---|
| Address | 11 RICHARDS DR, HENDERSONVILLE, NC 28792-9794 |
| Document Number | 0040490464 |
|---|---|
| Date | May 30, 2023 |
| Book Page | 4049/464 |
| Instrument | 1000998551 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Document Number | 0039650650 |
|---|---|
| Date | Sep 21, 2022 |
| Book Page | 3965/650 |
| Instrument | 986927 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 26592 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036410602 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 3641/602 |
| Instrument | 943549 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 111 RICHARDS DR, HENDERSONVILLE, NC 28792-9254 |
| Document Number | 0034330312 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 111 RICHARDS DR HENDERSONVILLE NC 287929254, HENDERSONVILLE, NC 28792-9254 |
| Document Number | 0034330312 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 003433/000312 |
| Instrument | 917263 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 29, 2049 |
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $379,400 (-) Land $74,500 Building $304,900 | ||
| 2025 | $1,825.00 | ||
| 2023 | $379,400 Land $74,500 Building $304,900 | $379,400 Land $74,500 Building $304,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 52% 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.
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 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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