19 Riley Ln, Flat Rock, NC 28731 Property Records

Henderson County property record for 19 Riley Ln, Flat Rock, NC 28731

Property Summary

Property Type	Manufactured or Modular Home
Details	2 ba · 1,512 sqft · built 2005
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Aug 2015)
Tax Bill	$1,565 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`9599002571`

Property Details

APN / Parcel Number

Primary APN	`9599002571`
Alternative APNs	`00959900257155` `9972787`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,512 sqft Heated Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	27,007 sqft (0.62 acres)
Porch	Slab
Porch Area	130 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9972787
Street Address	19 RILEY LN
City	FLAT ROCK
State	NC
Zip	28731-5675
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	9972787~R2
Legal Description	RUBY RIDGE ESTATES LO2 PL2003-4597
Legal Subdivision	RUBY RIDGE ESTATES
Legal Lot Number	2571
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2044
Census Tract	930302

Owner

19 Riley Ln, a residential property, is owned and occupied by an individual who bought it in August 2015.

Source: Henderson County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	19 RILEY LN, FLAT ROCK, NC 28731-5675
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Jan 19, 2021	Deed of Trust, Mortgage · Line of Credit LOCAL GOV'T EMPS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2015 · Amount on File
Deed Sale	Aug 11, 2015 · Amount on File
Prior Sale	Dec 2, 2005 · Amount on File
Deed Book / Page	1627 / 354
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	19 RILEY LN, FLAT ROCK, NC 28731-5675
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 571, E FLAT ROCK, NC 28726-0571

Mortgage

Document Number	0040120001
Date	Feb 9, 2023
Book Page	4012/1
Instrument	1000993350

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2028
Change Frequency	5 Years
Min Rate At Change	7.5%
Max Rate At Change	3.5%
Index	5-Year CMT
Max Rate	11.5%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	19 RILEY LN, FLAT ROCK, NC 28731-5675
Document Number	0011490297
Instrument Date	Jan 19, 2021
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 RILEY LN FLAT ROCK NC 287315675, FLAT ROCK, NC 28731-5675

Mortgage

Document Number	0011490297
Date	Jan 22, 2021
Book Page	001149/000297
Instrument	943182

Lender

Name	LOCAL GOV'T EMPS FCU
Type	Credit Union
Address	PO BOX 336, FLAT ROCK, NC 28731-0336

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 19 Riley Ln was $1,565.

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,100 Land $35,700 Building $238,400
2025	$1,565.00
2023		$274,100 Land $35,700 Building $238,400	$274,100 Land $35,700 Building $238,400

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

Flood

FEMA maps place 19 Riley Ln 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	5 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

Wildfire risk around 19 Riley Ln is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

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