120 Poplar Loop Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 120 Poplar Loop Dr, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,551 sqft · built 1988
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$542,500 (Apr 2017)
Tax Bill	$3,207 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Mar 2018 Loan Modification + 5 more
Flood Zone	Zone X (minimal risk)
APN	`9566664386`

Property Details

APN / Parcel Number

Primary APN	`9566664386`
Alternative APNs	`00956666438655` `9935433`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	4,551 sqft Heated Area
1st Floor Area	2,869 sqft
Basement Area	2,869 sqft
Finished Basement	1,721 sqft
Unfinished Basement	1,148 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	335 sqft
Deck Area	359 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9935433
Street Address	120 POPLAR LOOP DR
City	FLAT ROCK
State	NC
Zip	28731-8583
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9935433~R-
Legal Description	KENMURE LO10 PH2 SEE PLA-273A
Legal Subdivision	KENMURE
Legal Phase	2
Legal Block	66
Legal Lot Number	4386
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	2
Census Block	2006
Census Tract	931500

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	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2017	Deed of Trust, Mortgage FIRST CITIZENS BANK
Mar 21, 2018	Deed of Trust, Mortgage · Loan Modification FIRST CITIZENS BANK
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARC HM LLC
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Deed Book / Page	3040 / 278
Last Transfer Date	Apr 1, 2025
Transfer Doc	0042770278
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030620396
Date	Jun 6, 2017
Book Page	3062/396

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031760554
Date	Mar 21, 2018
Book Page	3176/554
Instrument	880629

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Type	Loan Modification
Amount	Amount Recorded

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Document Number	0036450545
Instrument Date	Jan 28, 2021
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	120 POPLAR LOOP DR FLAT ROCK NC 287318583, FLAT ROCK, NC 28731-8583

Mortgage

Document Number	0036450545
Date	Feb 3, 2021
Book Page	003645/000545
Instrument	944016

Lender

Name	ARC HM LLC
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Document Number	0034700011
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 POPLAR LOOP DR FLAT ROCK NC 287318583, FLAT ROCK, NC 28731-8583

Mortgage

Document Number	0034700011
Date	Mar 30, 2020
Book Page	003470/000011
Instrument	922265

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Document Number	0033820618
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 POPLAR LOOP DR FLAT ROCK NC 287318583, FLAT ROCK, NC 28731-8583

Mortgage

Document Number	0033820618
Date	Sep 6, 2019
Book Page	003382/000618
Instrument	910395

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Document Number	0031490401
Book / Page	003149 / 000401
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Lifetime Benefit
Address	120 POPLAR LOOP DR FLAT ROCK NC 287318583, FLAT ROCK, NC 28731-8583

Mortgage

Document Number	0031490401
Date	Jan 2, 2018
Book Page	003149/000401
Instrument	876543

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Apr 11, 2017
Property Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583
Document Number	0030400278
Book / Page	3040 / 278
Instrument Date	Mar 24, 2017
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 POPLAR LOOP DR, FLAT ROCK, NC 28731-8583

Mortgage

Document Number	0030400283
Date	Apr 11, 2017
Book Page	3040/283

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	May 1, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$744,300 (-) Land $101,200 Building $643,100
2025	$3,207.00	$744,300 (-) Land $101,200 Building $643,100
2023		$744,300 Land $101,200 Building $643,100	$744,300 Land $101,200 Building $643,100

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
Flood Insurance Cost	Premium on Record 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

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	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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