Henderson County property record for 132 Ridge Ln, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,951 sqft · built 1993 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | Company Name on Record |
| Last Sale | $550,000 (Sep 2019) |
| Tax Bill | $4,945 (2025) |
| Deeds & Mortgages | Oct 2021 Transfer Sep 2019 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9566856695 |
| Primary APN | 9566856695 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,951 sqft Heated Area |
| 1st Floor Area | 3,265 sqft |
| Basement Area | 1,632 sqft |
| Finished Basement | 816 sqft |
| Unfinished Basement | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 52,708 sqft (1.21 acres) |
| Garage Area | 573 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 50 sqft |
| Deck Area | 129 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9926728 |
|---|---|
| Street Address | 132 RIDGE LN |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9795 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9926728~R- |
| Legal Description | KENMURE LO49 SED |
| Legal Subdivision | KENMURE |
| Legal Block | 85 |
| Legal Lot Number | 6695 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 931500 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 132 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 11, 2021 | Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Sep 11, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Oct 30, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK |
| Mar 24, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2019 · Amount on Record |
| Deed Sale | Sep 11, 2019 · Amount on Record |
| Deed Book / Page | 3385 / 191 |
| Last Transfer Date | Oct 11, 2021 |
| Transfer Doc | 0038000385 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Oct 11, 2021 |
| Property Address | 132 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Number | 0038000385 |
| Book / Page | 3800 / 385 |
| Map Reference | MB 3385 PG 191 |
| Instrument Date | Oct 11, 2021 |
| Instrument | 964814 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 132 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Sep 11, 2019 |
| Property Address | 132 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Number | 0033850191 |
| Book / Page | 003385 / 000191 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 910749 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 132 RIDGE LN FLAT ROCK NC 287319795, FLAT ROCK, NC 28731-9795 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 132 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Number | 0032730608 |
| Instrument Date | Oct 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 132 RIDGE LN FLAT ROCK NC 287319795, FLAT ROCK, NC 28731-9795 |
| Document Number | 0032730608 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 003273/000608 |
| Instrument | 894564 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Mar 24, 2017 |
| Property Address | 132 RIDGE LN, FLAT ROCK, NC 28731-9795 |
| Document Number | 0030320527 |
| Book / Page | 003032 / 000527 |
| Instrument Date | Mar 13, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 19577 META RD CORNELIUS NC 280317545, CORNELIUS, NC 28031-7545 |
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 | $1,147,400 (-) Land $137,500 Building $1,009,900 | ||
| 2025 | $4,945.00 | $1,147,400 (+13.66%) Land $137,500 Building $1,009,900 | |
| 2023 | $1,009,500 Land $137,500 Building $872,000 | $1,147,400 Land $137,500 Building $1,009,900 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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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