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191 Covered Bridge Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 191 Covered Bridge Dr, Flat Rock, NC 28731 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,570 sqft · built 2004
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$1,070 (May 2022)
Tax Bill$2,470 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN9577744871

Property Details

APN / Parcel Number

Primary APN9577744871
Alternative APN
  • 1002036

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area2,570 sqft Heated Area
1st Floor Area1,436 sqft
Upper Floors Area718 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleConventional
Exterior MaterialWood Siding
Foundation TypeNo Foundation
Lot Area7,405 sqft (0.17 acres)
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area336 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number1002036
Street Address191 COVERED BRIDGE DR
CityFLAT ROCK
StateNC
Zip28731-7608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHIGHLAND LAKE LO14-17 BL17 PL2002-4207 UN5
Legal SubdivisionHIGHLAND LAKE
Legal Block74
Legal Lot Number4871
Legal Unit5
JurisdictionHENDERSON NC
Township / Civil DivisionHENDERSONVILLE
Census Block Group2
Census Block2033
Census Tract931402

Owner

Source: Henderson County records · APN 9577744871

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 Address191 COVERED BRIDGE DR, FLAT ROCK, NC 28731-7608
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 18, 2022 · Amount on Record
Deed SaleMay 18, 2022 · Amount on Record
Prior SaleMay 29, 2015 · Amount on Record
Deed Document Number2022979862
Deed Book / Page3914 / 517
Record UpdatedSep 20, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHENDERSON NC
Recording DateMay 18, 2022
Property Address191 COVERED BRIDGE DR, FLAT ROCK, NC 28731-7608
Document Number0039140517
Book / Page3914 / 517
Map ReferenceSL 4207
Instrument DateMay 13, 2022
Instrument979862
Transaction TypeTransfer
Record UpdatedJul 04, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,070.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address325 LAKE CLUB CIR, 325, HENDERSONVILLE, NC 28792-4875

Transferred To (Grantee/Buyer)

NameVerified Name
Address191 COVERED BRIDGE DR, FLAT ROCK, NC 28731-7608

Mortgage

Document Number0000979863
DateMay 18, 2022
Instrument979863
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHenderson County
MunicipalityFlat Rock Village
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$573,300 (-) Land $60,000 Building $513,300
2025$2,470.00
2023$573,300 Land $60,000 Building $513,300$573,300 Land $60,000 Building $513,300

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 370899314022, 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 Policies9 in force
Nearby Flood Claims5 (2024–2025)
Claims Outside the SFHA1 of 5
Most Recent ClaimMay 2025, rainfall accumulation
Claims By Storm
  • Tropical Storm Helene, Oct 2024 · 4 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 24% of North Carolina
Wildfire LikelihoodAbout 1 in 5,882 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Flat Rock Historic District (Boundary Increase, Decrease and Additional Documentation)
listed 2015 · 27 contributing resources · NRIS 14001176

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 238 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Optimum CommunicationsCable940 / 35
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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