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120 Cherry Birch Ln, Saluda, NC 28773 Property Records

Henderson County property record for 120 Cherry Birch Ln, Saluda, NC 28773

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 3,902 sqft · built 2004
Lot Size1.08 acres (47,045 sqft)
Owner2 Individual Names on File
Last Sale$455,000 (Feb 2019)
Tax Bill$3,513 (2025)
Deeds & MortgagesSep 2022 Line of Credit
Feb 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN9596252386

Property Details

APN / Parcel Number

Primary APN9596252386
Alternative APNs
  • 00959625238655
  • 9965873

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area3,902 sqft Heated Area
1st Floor Area2,044 sqft
Basement Area2,044 sqft
Finished Basement1,840 sqft
Unfinished Basement204 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2015
Architectural StyleRanch
Exterior MaterialWood Siding
Foundation TypeBlock
Roof TypeGable
Roof MaterialAsphalt
Lot Area47,045 sqft (1.08 acres)
Garage Area488 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area276 sqft
Deck Area144 sqft
Patio Area276 sqft
Balcony Area18 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number9965873
Street Address120 CHERRY BIRCH LN
CitySALUDA
StateNC
Zip28773-6757
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code9965873~R3
Legal DescriptionWHITES LAKE LO18 PL2000-3306A
Legal SubdivisionWHITES LAKE
Legal Block25
Legal Lot Number2386
JurisdictionHENDERSON NC
Township / Civil DivisionGREEN RIVER
Census Block Group1
Census Block1003
Census Tract932000

Owner

120 Cherry Birch Ln is owned and occupied by two individuals who bought it in February 2019.

Source: Henderson County records, as of July 14, 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 Record2 Individual Names on File
Mailing Address120 CHERRY BIRCH LN, SALUDA, NC 28773-6757
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 9, 2022Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Feb 19, 2019Warranty Deed, Transfer · Conventional Mortgage
BRANCH BK&TR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 19, 2019 · Amount on File
Deed SaleFeb 19, 2019 · Amount on File
Prior SaleJun 14, 2016 · Amount on File
Deed Book / Page3301 / 166
Record UpdatedOct 29, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHENDERSON NC
Property Address120 CHERRY BIRCH LN, SALUDA, NC 28773-6757
Transaction TypeMortgage
Record UpdatedSep 30, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 CHERRY BIRCH LN, SALUDA, NC 28773-6757

Mortgage

Document Number0039600383
DateSep 9, 2022
Book Page3960/383
Instrument986256
Lender
NameTRUIST BANK
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHENDERSON NC
Recording DateFeb 19, 2019
Property Address120 CHERRY BIRCH LN, SALUDA, NC 28773-6757
Document Number0033010166
Book / Page003301 / 000166
Instrument DateFeb 14, 2019
Instrument898626
Transaction TypeTransfer
Record UpdatedMar 8, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$910.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address120 CHERRY BIRCH LN SALUDA NC 287736757, SALUDA, NC 28773-6757

Mortgage

Document Number33010169
DateFeb 19, 2019
Book Page003301/000169
Instrument898627
Lender
NameBRANCH BK&TR
TypeBank
AddressWILSON, NC 27893
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueFeb 18, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 120 Cherry Birch Ln was $3,513.

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHenderson County
Unified School DistrictHenderson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$637,600 Land $61,000 Building $576,600
2025$3,513.00
2023$637,600 Land $61,000 Building $576,600$637,600 Land $61,000 Building $576,600

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

Flood

FEMA maps place 120 Cherry Birch Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective October 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims5 (2016–2024)
Claims Outside the SFHA1 of 5
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 4 claims

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 120 Cherry Birch Ln is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · above 65% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 30 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Skyrunner
Fixed Wireless		25 / 10
T-Mobile
Fixed Wireless		25 / 3

May also be available: AT&T, Verizon.

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