Henderson County property record for 186 General Hl, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,313 sqft · built 1987 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $153,000 (Apr 2015) |
| Tax Bill | $1,484 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9586595081 |
| Primary APN | 9586595081 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,313 sqft Heated Area |
| 1st Floor Area | 1,652 sqft |
| Basement Area | 661 sqft |
| Finished Basement | 661 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,708 sqft (1.21 acres) |
| Patio Area | 573 sqft |
| Canopy | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 110241 |
|---|---|
| Street Address | 186 GENERAL HL |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-7726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 110241~R2R |
| Legal Description | SR1830 ON GENERAL HILL |
| Legal Block | 59 |
| Legal Lot Number | 5081 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | HENDERSONVILLE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 931401 |
186 General Hl is owned and occupied by two individuals who bought it in April 2015.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 GENERAL HL, FLAT ROCK, NC 28731-7726 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2015 · Amount on File |
| Deed Sale | Apr 22, 2015 · Amount on File |
| Deed Book / Page | 1614 / 47 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 186 GENERAL HL, FLAT ROCK, NC 28731-7726 |
| Document Number | 0005810613 |
| Instrument Date | Nov 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 186 GENERAL HL FLAT ROCK NC 287317726, FLAT ROCK, NC 28731-7726 |
| Document Number | 0005810613 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 000581/000613 |
| Instrument | 938403 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 16, 2030 |
The 2025 property tax bill for 186 General Hl was $1,484.
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $264,700 Land $42,100 Building $222,600 | ||
| 2025 | $1,484.00 | ||
| 2023 | $266,300 Land $42,100 Building $224,200 | $264,700 Land $42,100 Building $222,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 General Hl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 186 General Hl is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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