198 Echo Cir, Laurel Park (Hendersonville), NC 28739 Property Records

Henderson County property record for 198 Echo Cir, Laurel Park, NC 28739

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,384 sqft · built 1983
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,591 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9558752650`

Property Details

APN / Parcel Number

Primary APN	`9558752650`
Alternative APNs	`0110457` `110457`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,384 sqft Heated Area
1st Floor Area	2,320 sqft
Basement Area	2,620 sqft
Finished Basement	764 sqft
Unfinished Basement	1,856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Garage Area	754 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	824 sqft
Deck Area	240 sqft
Gazebo	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	110457
Street Address	198 ECHO CIR
City	HENDERSONVILLE
State	NC
Zip	28739-8969
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	110457~R-2
Legal Description	ECHO MOUNTAIN LO7,9,10 & TRPT 11 PLA-191A
Legal Subdivision	ECHO MOUNTAIN SEC 2 (0394)
Legal Block	75
Legal Lot Number	2650
Jurisdiction	HENDERSON NC
Township / Civil Division	HENDERSONVILLE
Census Block Group	1
Census Block	1058
Census Tract	931700

Owner

Source: Henderson County records, as of July 14, 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 Record
Mailing Address	198 ECHO CIR, HENDERSONVILLE, NC 28739-8969
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Aug 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	198 ECHO CIR, LAUREL PARK, NC 28739-8969
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040560073
Date	Jun 15, 2023
Book Page	4056/73
Instrument	1000999425

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	198 ECHO CIR, HENDERSONVILLE, NC 28739-8969
Document Number	0006540113
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	198 ECHO CIR HENDERSONVILLE NC 287398969, HENDERSONVILLE, NC 28739-8969

Mortgage

Document Number	0006540113
Date	Dec 2, 2020
Book Page	000654/000113
Instrument	939480

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 14, 2020
Property Address	198 ECHO CIR, HENDERSONVILLE, NC 28739-8969
Document Number	0035430529
Book / Page	003543 / 000529
Instrument Date	Aug 13, 2020
Instrument	931266
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 ECHO CIR LAUREL PARK NC 287398969, LAUREL PARK, NC 28739-8969

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$555,900 (-) Land $79,300 Building $476,600
2025	$4,591.00
2023		$555,900 Land $79,300 Building $476,600	$555,900 Land $79,300 Building $476,600

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

Flood

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
Flood Insurance Cost	Premium on Record median of 14 individual policies
Nearby Flood Policies	30 units insured incl. 16 condo units
Nearby Flood Claims	19 (2009–2024)
Claims Outside the SFHA	12 of 19
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 12 claims

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	FLETCHER ACADEMY INC private · serves 790 people · EPA ID NC0145113
Water Source	Groundwater
Last State Inspection	May 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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