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1315 E Gilbert St, Hendersonville, NC 28792 Property Records

Henderson County property record for 1315 E Gilbert St, Hendersonville, NC 28792

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,440 sqft · built 1989
Lot Size0.43 acres (18,731 sqft)
OwnerIndividual Name on Record
Last Sale$114,000 (Aug 2017)
Tax Bill$1,064 (2025)
Deeds & MortgagesJun 2020 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN9578447087

Property Details

APN / Parcel Number

Primary APN9578447087
Alternative APNs
  • 0103260
  • 103260

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories2 Stories
Building Area1,440 sqft Heated Area
1st Floor Area720 sqft
Upper Floors Area720 sqft

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleRanch
Exterior MaterialWood Siding
Foundation TypeRaised
Roof TypeGable
Roof MaterialAsphalt
Lot Area18,731 sqft (0.43 acres)
Garage Area288 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C

Location & Zoning

Account Number103260
Street Address1315 E GILBERT ST
CityHENDERSONVILLE
StateNC
Zip28792-5805
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code103260~R-1
Legal DescriptionBOUNDARY SURVEY .43 AC LO4 PL2017-10814
Legal Block44
Legal Lot Number7087
JurisdictionHENDERSON NC
Township / Civil DivisionHENDERSONVILLE
Census Block Group2
Census Block2000
Census Tract931300

Owner

Source: Henderson County records, as of July 14, 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 RecordIndividual Name on Record
Mailing Address1315 E GILBERT ST, HENDERSONVILLE, NC 28792-5805
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
CHAMPION CU INC
Aug 22, 2017Warranty Deed, Transfer
CHAMPION CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 22, 2017 · Amount on Record
Deed SaleAug 22, 2017 · Amount on Record
Deed Book / Page3094 / 147
Record UpdatedOct 29, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHENDERSON NC
Property Address1315 E GILBERT ST, HENDERSONVILLE, NC 28792-5805
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0035120412
DateJun 24, 2020
Book Page3512/412
Instrument927414
Lender
NameCHAMPION CU INC
TypeCredit Union
AddressCANTON, NC 28716
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHENDERSON NC
Recording DateAug 22, 2017
Property Address1315 E GILBERT ST, HENDERSONVILLE, NC 28792-5805
Document Number0030940147
Book / Page003094 / 000147
Instrument DateAug 16, 2017
Instrument869007
Transaction TypeTransfer
Record UpdatedOct 9, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$228.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1315 E GILBERT ST HENDERSONVILLE NC 287925805, HENDERSONVILLE, NC 28792-5805

Mortgage

Document Number30940151
DateAug 22, 2017
Book Page003094/000151
Instrument869008
Lender
NameCHAMPION CU
TypeCredit Union
AddressCANTON, NC 28716
Agreement
AmountAmount Recorded
Term360 Months
DueAug 21, 2047
Interest
Rate TypeAdjustable Rate
Rate4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHenderson County
Unified School DistrictHenderson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$189,800 (-) Land $67,100 Building $122,700
2025$1,064.00
2023$189,800 Land $67,100 Building $122,700$189,800 Land $67,100 Building $122,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims5 (1979–2024)
Most Recent ClaimSep 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 RiskLow
lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemCITY OF HENDERSONVILLE
serves 79,278 people · EPA ID NC0145010
Water SourceSurface water
Last State InspectionAug 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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