138 Cinnamon Way, Flat Rock, NC 28731 Property Records

Henderson County property record for 138 Cinnamon Way, Flat Rock, NC 28731

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,120 sqft · built 1999
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$259,500 (Sep 2021)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9576982588`

Property Details

APN / Parcel Number

Primary APN	`9576982588`
Alternative APNs	`00957698258855` `9936863`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,120 sqft Heated Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2011
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Porch	Patio
Deck Area	30 sqft
Canopy	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9936863
Street Address	138 CINNAMON WAY
City	FLAT ROCK
State	NC
Zip	28731-8754
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	9936863~R1
Legal Description	CINNAMON WOODS LO19 PLA-243A
Legal Subdivision	CINNNAMON WOODS (3319)
Legal Block	98
Legal Lot Number	2588
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	931500

Owner

138 Cinnamon Way, a residential property, is owned and occupied by an individual who bought it in September 2021.

Source: Henderson County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	138 CINNAMON WAY, FLAT ROCK, NC 28731-8754
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 26, 2020	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU
Jul 27, 2018	Deed of Trust, Mortgage · Line of Credit MOUNTAIN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2021 · Amount on File
Deed Sale	Sep 27, 2021 · Amount on File
Prior Sale	Aug 18, 2006 · Amount on File
Deed Document Number	2021963702
Deed Book / Page	3791 / 379
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Sep 27, 2021
Property Address	138 CINNAMON WAY, FLAT ROCK, NC 28731-8754
Document Number	0037910379
Book / Page	3791 / 379
Map Reference	CAB A SL 243-A
Instrument Date	Sep 24, 2021
Instrument	963702
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$519.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 BEAR CVLAZY, 131, FLETCHER, NC 28732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CINNAMON WAY, FLAT ROCK, NC 28731-8754

Mortgage

Document Number	0000963703
Date	Sep 27, 2021
Instrument	963703

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	363 Months
Due	Dec 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	138 CINNAMON WAY, FLAT ROCK, NC 28731-8754
Document Number	0006880001
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CINNAMON WAY FLAT ROCK NC 287318754, FLAT ROCK, NC 28731-8754

Mortgage

Document Number	0006880001
Date	Aug 31, 2020
Book Page	000688/000001
Instrument	932378

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	138 CINNAMON WAY, FLAT ROCK, NC 28731-8754
Document Number	0032380170
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Sep 12, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CINNAMON WAY FLAT ROCK NC 287318754, FLAT ROCK, NC 28731-8754

Mortgage

Document Number	0032380170
Date	Aug 21, 2018
Book Page	003238/000170
Instrument	889350

Lender

Name	MOUNTAIN CU
Type	Credit Union
Address	WAYNESVILLE, NC 28786

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 20, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 138 Cinnamon Way was $1,456.

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		$259,600 Land $64,000 Building $195,600
2025	$1,456.00
2023		$259,600 Land $64,000 Building $195,600	$259,600 Land $64,000 Building $195,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 138 Cinnamon Way in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.

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	10 units insured incl. 6 condo units
Nearby Flood Claims	5 (1998–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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

Wildfire risk around 138 Cinnamon Way is low, with a 0.03% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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