125 Suttles Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 125 Suttles Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,476 sqft · built 2008
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,000 (Mar 2008)
Tax Bill	$1,763 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9597147835`

Property Details

APN / Parcel Number

Primary APN	`9597147835`
Alternative APN	`1010077`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,476 sqft Heated Area
1st Floor Area	1,476 sqft
Basement Area	1,476 sqft
Unfinished Basement	1,476 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	23,522 sqft (0.54 acres)
Porch	Slab
Porch Area	252 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1010077
Street Address	125 SUTTLES RD
City	FLAT ROCK
State	NC
Zip	28731-9658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1010077~R3
Legal Description	HOOTS VICTORIA RECOM PL2008-7205
Legal Subdivision	ELMER SUTTLES FAMILY
Legal Block	14
Legal Lot Number	7835
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1025
Census Tract	930201

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	125 SUTTLES RD, FLAT ROCK, NC 28731-9658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 14, 2017	Deed of Trust, Mortgage FIRST CITIZENS BANK
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2008 · Amount on Record
Deed Sale	Mar 14, 2008 · Amount on Record
Deed Book / Page	1353 / 741
Last Transfer Date	Sep 2, 2015
Transfer Doc	0016310415
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	125 SUTTLES RD, FLAT ROCK, NC 28731-9658
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035290676
Date	Jul 23, 2020
Book Page	3529/676
Instrument	929525

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HENDERSONVILLE, NC 28793

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	125 SUTTLES RD, FLAT ROCK, NC 28731-9658
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031410615
Date	Dec 14, 2017
Book Page	3141/615

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	125 SUTTLES RD, FLAT ROCK, NC 28731-9658
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035290657
Date	Jul 23, 2020
Book Page	3529/657
Instrument	929524

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2025
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

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		$314,300 (-) Land $30,200 Building $284,100
2025	$1,763.00	$314,300 (-) Land $30,200 Building $284,100
2023		$314,300 Land $30,200 Building $284,100	$314,300 Land $30,200 Building $284,100

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
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 40% of the US · above 58% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: AT&T, Optimum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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