Henderson County property record for 1320 E Gilbert St, Hendersonville, NC 28792
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,536 sqft · built 1978 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Jan 2007) |
| Tax Bill | $1,473 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9578543067 |
| Primary APN | 9578543067 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,536 sqft Heated Area |
| 1st Floor Area | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Deck Area | 435 sqft |
| Cooling System | None |
|---|---|
| Heating System | Electric |
| Account Number | 109111 |
|---|---|
| Street Address | 1320 E GILBERT ST |
| City | HENDERSONVILLE |
| State | NC |
| Zip | 28792-5804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 109111~R1 |
| Legal Description | GILBERT ST 1LBD |
| Legal Subdivision | HENDERSONVILLE TOWNSHIP AND CITY |
| Legal Block | 54 |
| Legal Lot Number | 3067 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 931300 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 638 SPARTANBURG HWY, 70, HENDERSONVILLE, NC 28792-5921 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2007 · Amount on Record |
| Deed Sale | Jan 19, 2007 · Amount on Record |
| Deed Book / Page | 1304 / 306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 1320 E GILBERT ST, HENDERSONVILLE, NC 28792-5804 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0039480313 |
|---|---|
| Date | Aug 10, 2022 |
| Book Page | 3948/313 |
| Instrument | 984597 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | FLAT ROCK, NC 28731 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $262,600 (-) Land $46,600 Building $216,000 | ||
| 2025 | $1,473.00 | $262,600 (-) Land $46,600 Building $216,000 | |
| 2023 | $262,600 Land $46,600 Building $216,000 | $262,600 Land $46,600 Building $216,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1979–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 94% of the US · lower than 96% 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.
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 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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