Henderson County property record for 128 Ridge Ln, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,856 sqft · built 1993 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $771,000 (Nov 2021) |
| Tax Bill | $3,357 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Aug 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 9566855580 |
| Primary APN | 9566855580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,856 sqft Heated Area |
| 1st Floor Area | 1,904 sqft |
| Basement Area | 1,904 sqft |
| Finished Basement | 952 sqft |
| Unfinished Basement | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 54,450 sqft (1.25 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 496 sqft |
| Deck Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9926730 |
|---|---|
| Street Address | 128 RIDGE LN |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9795 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9926730~R- |
| Legal Description | KENMURE LO50 SED PLA-46A |
| Legal Subdivision | KENMURE (2271) |
| Legal Block | 85 |
| Legal Lot Number | 5580 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 931500 |
128 Ridge Ln is owned and occupied by two individuals who bought it in November 2021.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 128 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| 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.
| Date | Document |
|---|---|
| Nov 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Aug 6, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on File |
| Deed Sale | Nov 24, 2021 · Amount on File |
| Deed Document Number | 2021968089 |
| Deed Book / Page | 3825 / 615 |
| Prior Transfer Date | Aug 3, 2020 |
| Prior Transfer Doc | 0035390002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Nov 24, 2021 |
| Property Address | 128 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Number | 0038250615 |
| Book / Page | 3825 / 615 |
| Map Reference | CAB A SL 46A |
| Instrument Date | Nov 24, 2021 |
| Instrument | 968089 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,542.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 127 GLENBROOK DR, 127, HENDERSONVILLE, NC 28739-4035 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 128 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Number | 0000968090 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 968090 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Aug 6, 2020 |
| Property Address | 128 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Number | 0035390002 |
| Book / Page | 003539 / 000002 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 930613 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 128 RIDGE LN FLAT ROCK NC 287319795, FLAT ROCK, NC 28731-9795 |
The 2025 property tax bill for 128 Ridge Ln was $3,357.
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Municipality | Flat Rock Village |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $778,900 (-) Land $111,000 Building $667,900 | ||
| 2025 | $3,357.00 | $778,900 Land $111,000 Building $667,900 | |
| 2023 | $778,900 Land $111,000 Building $667,900 | $778,900 Land $111,000 Building $667,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 Ridge Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 File 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 risk around 128 Ridge Ln is low, with a 0.03% 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 | 0.03% 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 74 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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