Henderson County property record for 1600 Orchard Rd, Flat Rock, NC 28731 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 904 sqft · built 1937 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Feb 2026) |
| Tax Bill | $487 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9598170555 |
| Primary APN | 9598170555 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 904 sqft Heated Area |
| 1st Floor Area | 904 sqft |
| Basement Area | 660 sqft |
| Unfinished Basement | 660 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Wood Shingle |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 30,492 sqft (0.7 acres) |
| Porch | Porch |
| Porch Area | 161 sqft |
| Canopy | 360 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 200558 |
|---|---|
| Street Address | 1600 ORCHARD RD |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-9690 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR1796 ON ORCHARD RD |
| Legal Block | 17 |
| Legal Lot Number | 555 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 930302 |
Source: Henderson County records · APN 9598170555
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 | 1600 ORCHARD RD, FLAT ROCK, NC 28731-9690 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 19, 2026 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 06, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on Record |
| Deed Sale | Feb 19, 2026 · Amount on Record |
| Prior Sale | Dec 06, 2022 · Amount on Record |
| Deed Document Number | 20261044738 |
| Deed Book / Page | 4399 / 400 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Feb 19, 2026 |
| Property Address | 1600 ORCHARD RD, FLAT ROCK, NC 28731-9690 |
| Document Number | 0043990400 |
| Book / Page | 4399 / 400 |
| Instrument Date | Feb 13, 2026 |
| Instrument | 1001044738 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 WINDY RD, GILBERT, SC 29054-9184 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1600 ORCHARD RD, FLAT ROCK, NC 28731-9690 |
| Document Number | 1001044739 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 1001044739 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Dec 06, 2022 |
| Property Address | 1600 ORCHARD RD, FLAT ROCK, NC 28731-9690 |
| Document Number | 0039920485 |
| Book / Page | 3992 / 485 |
| Instrument Date | Dec 05, 2022 |
| Instrument | 990618 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 158 WALNUT HEIGHTS LN, HENDERSONVILLE, NC 28739-8384 |
| Name | Verified Name |
|---|---|
| Address | 1600 ORCHARD RD, FLAT ROCK, NC 28731-9690 |
| Document Number | 0000990619 |
|---|---|
| Date | Dec 06, 2022 |
| Instrument | 990619 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $149,900 (+75.73%) Land $38,100 Building $111,800 | ||
| 2025 | $487.00 | $85,300 (-) Land $38,100 Building $47,200 | |
| 2024 | $487.00 | ||
| 2023 | $85,300 Land $38,100 Building $47,200 | $149,900 Land $38,100 Building $111,800 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Nearby Flood Policies | 6 in force 5 of 6 on primary residences |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2012, river or lake flooding |
| Wildfire Risk | Low above 34% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,923 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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