124 Waterfall Rd, Henderson, NC 27537 Property Records

Vance County property record for 124 Waterfall Rd, Henderson, NC 27537

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 2004
Lot Size	0.464 acres (20,255 sqft)
Owner	2 Individual Names on File
Last Sale	$196,000 (Oct 2018)
Tax Bill	$1,830 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0412A01015`

Property Details

APN / Parcel Number

Primary APN	`0412A01015`
Alternative APN	`53323`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,404 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Lot Area	20,255 sqft (0.464 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	53323
Street Address	124 WATERFALL RD
City	HENDERSON
State	NC
Zip	27537-6911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	124 WATERFALL RD LOT 159 .465
Legal Block	01
Legal Lot Number	159
Jurisdiction	VANCE NC
Township / Civil Division	DABNEY
Census Block Group	3
Census Block	3021
Census Tract	960300

Owner

124 Waterfall Rd is owned and occupied by two individuals who bought it in October 2018.

Source: Vance County records, as of October 20, 2025

Owner of Record	2 Individual Names on File
Mailing Address	124 WATERFALL RD, HENDERSON, NC 27537-6911
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 11, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2018 · Amount on File
Deed Sale	Oct 11, 2018 · Amount on File
Prior Sale	Jul 31, 2009 · Amount on File
Deed Document Number	03782
Deed Book / Page	1350 / 0214
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VANCE NC
Property Address	124 WATERFALL RD, HENDERSON, NC 27537-6911
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001465/978
Date	Aug 22, 2025
Book Page	1465/978
Instrument	2868

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VANCE NC
Property Address	124 WATERFALL RD, HENDERSON, NC 27537-6911
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001408/74
Date	Dec 10, 2021
Book Page	1408/74
Instrument	5509

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Oct 11, 2018
Property Address	124 WATERFALL RD, HENDERSON, NC 27537-6911
Document Number	01350/0214
Book / Page	1350 / 0214
Map Reference	MB W PG 894
Instrument Date	Oct 10, 2018
Instrument	03782
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$392.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 WATERFALL RD, HENDERSON, NC 27537-6911

Mortgage

Document Number	0000003783
Date	Oct 11, 2018
Instrument	03783

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	Annually
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 124 Waterfall Rd was $1,830.

Source: Vance County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,830.00	$209,747 Land $18,600 Building $191,147	$209,747 Land $18,600 Building $191,147
2023	$1,682.00	$159,610 Land $18,000 Building $141,610	$159,610 Land $18,000 Building $141,610

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

Flood

FEMA maps place 124 Waterfall Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective September 18, 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	3 in force
Nearby Flood Claims	2 (2005–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2020 · 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

Wildfire risk around 124 Waterfall Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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