Henderson County property record for 1306 Orchard Rd, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,336 sqft · built 2008 |
| Lot Size | 0.97 acres (42,253 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Apr 2026) |
| Tax Bill | $3,173 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9588956667 |
| Primary APN | 9588956667 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,336 sqft Heated Area |
| 1st Floor Area | 3,336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 42,253 sqft (0.97 acres) |
| Porch | Slab |
| Porch Area | 680 sqft |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1017207 |
|---|---|
| Street Address | 1306 ORCHARD RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9687 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1017207~R2 |
| Legal Description | RECOMBINATION LO1.07 AC PL2014-9420 |
| Legal Subdivision | LORETTA G WILLIAMS |
| Legal Block | 95 |
| Legal Lot Number | 6667 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 930302 |
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 | 1306 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC |
| Sep 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on Record |
| Deed Sale | Apr 10, 2026 · Amount on Record |
| Deed Document Number | 20261047403 |
| Deed Book / Page | 4422 / 475 |
| Prior Transfer Date | Aug 27, 2014 |
| Prior Transfer Doc | 0015880130 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Apr 10, 2026 |
| Property Address | 1306 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0001047403 |
| Book / Page | 4422 / 475 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 20261047403 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1306 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0001047404, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 20261047404 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | May 11, 2021 |
| Property Address | 1306 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0037080620 |
| Book / Page | 3708 / 620 |
| Map Reference | SL 9420 |
| Instrument Date | Apr 26, 2021 |
| Instrument | 952973 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 937 OSTIN CRK, 937, MILL SPRING, NC 28756-4797 |
| Name | Verified Name |
|---|---|
| Address | 1306 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0037080623 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 3708/623 |
| Instrument | 952974 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CORTE MADERA, CA 94925 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 1306 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0033870309 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1306 ORCHARD RD FLAT ROCK NC 287319687, FLAT ROCK, NC 28731-9687 |
| Document Number | 0033870309 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 003387/000309 |
| Instrument | 911073 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2049 |
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $565,600 (-) Land $39,200 Building $526,400 | ||
| 2025 | $3,173.00 | $565,600 (-) Land $39,200 Building $526,400 | |
| 2023 | $565,600 Land $39,200 Building $526,400 | $565,600 Land $39,200 Building $526,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2012 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 52% 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.
Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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