166 Willow Oak Dr, Henderson, NC 27537 Property Records

Vance County property record for 166 Willow Oak Dr, Henderson, NC 27537

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1978
Lot Size	1.17 acres (51,060 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Dec 2022)
Tax Bill	$1,933 (2025)
Deeds & Mortgages	Dec 2022 Sale & Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0222A01035`

Property Details

APN / Parcel Number

Primary APN	`0222A01035`
Alternative APNs	`1024163` `1035641`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Roof Type	Gable
Lot Area	51,060 sqft (1.17 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	1035641
Street Address	166 WILLOW OAK DR
City	HENDERSON
State	NC
Zip	27537-9234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR15
Legal Description	166 WILLOW OAK DR
Legal Subdivision	WILLOW OAK SUBDIVISION
Legal Block	01
Jurisdiction	VANCE NC
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1041
Census Tract	960903

Owner

166 Willow Oak Dr is owned and occupied by two individuals who bought it in December 2022.

Source: Vance County records, as of October 21, 2025

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	2 Individual Names on File
Mailing Address	166 WILLOW OAK DR, HENDERSON, NC 27537-9234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Warranty Deed, Transfer · Line of Credit BENCHMARK COMMUNITY BANK
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 3, 2017	Intrafamily Transfer, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2022 · Amount on File
Deed Sale	Dec 30, 2022 · Amount on File
Prior Sale	Oct 3, 2017
Deed Document Number	20225270
Deed Book / Page	1426 / 959
Prior Transfer Date	Sep 24, 2017
Prior Transfer Doc	1333/0747
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Dec 30, 2022
Property Address	166 WILLOW OAK DR, HENDERSON, NC 27537-9234
Document Number	001426/959
Book / Page	1426 / 959
Map Reference	MB T PG 617
Instrument Date	Dec 22, 2022
Instrument	5270
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 WILLOW OAK DR, HENDERSON, NC 27537-9234

Mortgage

Document Number	0000005271
Date	Dec 30, 2022
Instrument	5271

Lender

Name	BENCHMARK COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VANCE NC
Property Address	166 WILLOW OAK DR, HENDERSON, NC 27537-9234
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1386/1149
Date	Jan 13, 2021
Book Page	1386/1149
Instrument	160

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VANCE NC
Recording Date	Oct 3, 2017
Property Address	166 WILLOW OAK DR, HENDERSON, NC 27537-9234
Document Number	1333/0747
Book / Page	1333 / 0747
Instrument Date	Sep 24, 2017
Instrument	03929
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 WILLOW OAK DR, HENDERSON, NC 27537-9234

Mortgage

Document Number	03930
Date	Oct 3, 2017
Instrument	03930

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 166 Willow Oak Dr was $1,933.

Source: Vance County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Vance County
Unified School District	Vance County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,933.00	$222,581 Land $40,344 Building $182,237	$222,581 Land $40,344 Building $182,237
2023	$1,045.00	$94,555 Land $10,000 Building $84,555	$94,555 Land $10,000 Building $84,555

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 166 Willow Oak Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 166 Willow Oak Dr is low, with a 0.01% 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	0.01% 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	HENDERSON-KERR LAKE REG WTR serves 14,937 people · EPA ID NC0291010
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2021
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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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