Henderson County property record for 1388 Orchard Rd, Flat Rock, NC 28731 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,181 sqft · built 2018 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,956 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jun 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9598059878 |
| Primary APN | 9598059878 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,181 sqft Heated Area |
| 1st Floor Area | 1,391 sqft |
| Upper Floors Area | 790 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 52,708 sqft (1.21 acres) |
| Garage Area | 479 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Patio Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10007203 |
|---|---|
| Street Address | 1388 ORCHARD RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9687 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPECIAL SUBDIVISION 1.213 ACRES PL2018-11241 |
| Legal Subdivision | SPECIAL SUBDIVISION |
| Legal Block | 5 |
| Legal Lot Number | 9878 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 930302 |
Source: Henderson County records · APN 9598059878
Assessment roll updated July 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1388 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Jun 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| May 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BK |
| Jun 12, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| May 06, 2019 | Loan Modification, Mortgage UNITED CMNTY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 1388 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0032210605 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 3221/605 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Aug 01, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 1388 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0035030040 |
|---|---|
| Date | Jun 08, 2020 |
| Book Page | 3503/40 |
| Instrument | 926259 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 1388 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0034930217 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1388 ORCHARD RD FLAT ROCK NC 287319687, FLAT ROCK, NC 28731-9687 |
| Document Number | 0034930217 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 003493/000217 |
| Instrument | 925107 |
| Name | HOMETRUST BK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802-0010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 1388 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0033480289 |
| Instrument Date | Jun 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 03, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1388 ORCHARD RD FLAT ROCK NC 287319687, FLAT ROCK, NC 28731-9687 |
| Document Number | 0033480289 |
|---|---|
| Date | Jun 18, 2019 |
| Book Page | 003348/000289 |
| Instrument | 905524 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 1388 ORCHARD RD, FLAT ROCK, NC 28731-9687 |
| Document Number | 0033410351 |
| Instrument Date | May 06, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1388 ORCHARD RD FLAT ROCK NC 287319687, FLAT ROCK, NC 28731-9687 |
| Document Number | 0033410351 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 003341/000351 |
| Instrument | 904538 |
| Name | UNITED CMNTY BK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 30, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $539,100 (-) Land $42,100 Building $497,000 | ||
| 2025 | $2,956.00 | ||
| 2023 | $539,100 Land $42,100 Building $497,000 | $539,100 Land $42,100 Building $497,000 |
Source: FEMA National Flood Hazard Layer, Henderson County (37089C), updated October 12, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 38% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,613 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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