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1396 Orchard Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 1396 Orchard Rd, Flat Rock, NC 28731 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 ba · 3,676 sqft · built 2014
Lot Size3 acres (130,680 sqft)
Owner2 Individual Names on File
Tax Bill$3,341 (2025)
Deeds & MortgagesMar 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN9598251619

Property Details

APN / Parcel Number

Primary APN9598251619
Alternative APN
  • 1015086

Interior

Full Baths4 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area3,676 sqft Heated Area
1st Floor Area2,288 sqft
Basement Area2,288 sqft
Finished Basement1,388 sqft
Unfinished Basement900 sqft

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Architectural StyleConventional
Exterior MaterialWood Siding
Lot Area130,680 sqft (3 acres)
Garage Area628 sqft
Parking Spaces2 Parking Spaces
PorchPatio
Porch Area354 sqft
Patio Area234 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number1015086
Street Address1396 ORCHARD RD
CityFLAT ROCK
StateNC
Zip28731-9687
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHOMPSON PROPERTY LO3.00 PL2012-8665
Legal SubdivisionTHOMAS H & SHERRY S THOMPSON
Legal Block25
Legal Lot Number1619
JurisdictionHENDERSON NC
Township / Civil DivisionBLUE RIDGE
Census Block Group1
Census Block1034
Census Tract930302

Owner

Source: Henderson County records · APN 9598251619

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 Record2 Individual Names on File
Mailing Address1396 ORCHARD RD, FLAT ROCK, NC 28731-9687
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateNov 21, 2012
Transfer Doc1515000639
Record UpdatedSep 20, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHENDERSON NC
Property Address1396 ORCHARD RD, FLAT ROCK, NC 28731-9687
Document Number0034730040
Instrument DateMar 30, 2020
Transaction TypeMortgage
Record UpdatedJun 04, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1396 ORCHARD RD FLAT ROCK NC 287319687, FLAT ROCK, NC 28731-9687

Mortgage

Document Number0034730040
DateApr 03, 2020
Book Page003473/000040
Instrument922635
Lender
NameFARM CREDIT SVCS
TypeFunding / Finance Company
AddressLIBERTY, NC 27298
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 02, 2050

Tax Assessment & Valuation

Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$595,700 (-) Land $80,000 Building $515,700
2025$3,341.00
2023$595,700 Land $80,000 Building $515,700$595,700 Land $80,000 Building $515,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Henderson County (37089C), updated October 12, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370899303021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2012)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2012, river or lake flooding

Wildfire

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire LikelihoodAbout 1 in 1,429 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 18 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumFiber1,000 / 1,000
Optimum CommunicationsCable940 / 35
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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