13 Oak Leaf Dr, Fletcher, NC 28732 Property Records

Henderson County property record for 13 Oak Leaf Dr, Fletcher, NC 28732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,022 sqft · built 1981
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (May 2019)
Tax Bill	$1,520 (2025)
Deeds & Mortgages	May 2019 Sale May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9653003134`

Property Details

APN / Parcel Number

Primary APN	`9653003134`
Alternative APNs	`0700281` `700281`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,022 sqft Heated Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	532 sqft
Unfinished Basement	532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Deck Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	700281
Street Address	13 OAK LEAF DR
City	FLETCHER
State	NC
Zip	28732-8540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	700281~R-1
Legal Description	WILDWOOD LO195 SE4 PLA-52
Legal Subdivision	WILDWOOD SEC 4 (2813)
Legal Lot Number	3134
Jurisdiction	HENDERSON NC
Township / Civil Division	HOOPERS CREEK
Census Block Group	1
Census Block	1008
Census Tract	930600

Owner

13 Oak Leaf Dr is owned and occupied by two individuals who bought it in May 2019.

Source: Henderson County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13 OAK LEAF DR, FLETCHER, NC 28732-8540
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
May 24, 2019	Warranty Deed, Transfer
May 2, 2017	Warranty Deed, Transfer · VA Mortgage GUARANTY TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on File
Deed Sale	May 24, 2019 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Book / Page	3338 / 308
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 24, 2019
Property Address	13 OAK LEAF DR, FLETCHER, NC 28732-8540
Document Number	0033380308
Book / Page	3338 / 308
Instrument Date	May 24, 2019
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount 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	13 OAK LEAF DR, FLETCHER, NC 28732-8540

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 2, 2017
Property Address	13 OAK LEAF DR, FLETCHER, NC 28732-8540
Document Number	0030480468
Book / Page	003048 / 000468
Instrument Date	May 2, 2017
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 OAK LEAF DR FLETCHER NC 287328540, FLETCHER, NC 28732-8540

Mortgage

Document Number	30480471
Date	May 2, 2017
Book Page	003048/000471

Lender

Name	GUARANTY TR
Address	ASHVILLE, NC 28803

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 13 Oak Leaf Dr was $1,520.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Municipality	Fletcher Town
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$352,800 Land $100,000 Building $252,800
2025	$1,520.00
2023		$352,800 Land $100,000 Building $252,800	$352,800 Land $100,000 Building $252,800

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

Flood

FEMA maps place 13 Oak Leaf Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	21 (2009–2024)
Claims Outside the SFHA	9 of 21
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 11 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 13 Oak Leaf Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.01% 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 ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
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 247 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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