1310 E Gilbert St, Hendersonville, NC 28792 Property Records

Henderson County property record for 1310 E Gilbert St, Hendersonville, NC 28792

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,024 sqft · built 2006
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$318,000 (Sep 2017)
Tax Bill	$2,936 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2021 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`9578541475`

Property Details

APN / Parcel Number

Primary APN	`9578541475`
Alternative APNs	`00957854147555` `9965590`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,024 sqft Heated Area
1st Floor Area	2,024 sqft
Basement Area	2,024 sqft
Unfinished Basement	2,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	27,878 sqft (0.64 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	551 sqft
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9965590
Street Address	1310 E GILBERT ST
City	HENDERSONVILLE
State	NC
Zip	28792-5804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9965590~R1
Legal Description	ON GILBERT ST PL1999-3269
Legal Subdivision	E LELAND JOHNSON & WIFE BETTY
Legal Block	54
Legal Lot Number	1475
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	931300

Owner

Source: Henderson County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	638 SPARTANBURG HWY, 70, HENDERSONVILLE, NC 28792-5921
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Dec 8, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Jun 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Sep 22, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2017 · Amount on Record
Deed Sale	Sep 22, 2017 · Amount on Record
Deed Book / Page	3106 / 675
Last Transfer Date	Dec 7, 2021
Transfer Doc	0038330100
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	1310 E GILBERT ST, HENDERSONVILLE, NC 28792-5804
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039480321
Date	Aug 10, 2022
Book Page	3948/321
Instrument	984599

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	FLAT ROCK, NC 28731

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON NC
Recording Date	Dec 8, 2021
Property Address	1310 E GILBERT ST, HENDERSONVILLE, NC 28792-5804
Document Number	0038330100
Book / Page	3833 / 100
Instrument Date	Dec 7, 2021
Instrument	969021
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 SPARTANBURG HWY STE 70, 70, HENDERSONVILLE, NC 28792-5921

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	1310 E GILBERT ST, HENDERSONVILLE, NC 28792-5804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032120077
Date	Jun 15, 2018
Book Page	3212/77
Instrument	885641

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 22, 2017
Property Address	1310 E GILBERT ST, HENDERSONVILLE, NC 28792-5804
Document Number	0031060675
Book / Page	003106 / 000675
Instrument Date	Sep 22, 2017
Instrument	870758
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 SPARTANBURG HWY #70PMB13 HENDERSONVILLE NC 287925910, 70PMB1, HENDERSONVILLE, NC 28792-5910

Mortgage

Document Number	31060678
Date	Sep 22, 2017
Book Page	003106/000678
Instrument	870759

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2047

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		$523,400 (-) Land $87,100 Building $436,300
2025	$2,936.00	$523,400 (+9.87%) Land $87,100 Building $436,300
2023		$476,400 Land $87,100 Building $389,300	$523,400 Land $87,100 Building $436,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1979–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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