Henderson County property record for 2 Saddle Top, Flat Rock, NC 28731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 3,871 sqft · built 2003 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $417,000 (Dec 2020) |
| Tax Bill | $2,860 (2025) |
| Deeds & Mortgages | Dec 2020 Sale Jul 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9586206050 |
| Primary APN | 9586206050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,871 sqft Heated Area |
| 1st Floor Area | 1,939 sqft |
| Basement Area | 1,939 sqft |
| Finished Basement | 1,939 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 463 sqft |
| Patio Area | 78 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9958516 |
|---|---|
| Street Address | 2 SADDLE TOP |
| City | FLAT ROCK |
| State | NC |
| Zip | 28731-6804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9958516~R2 |
| Legal Description | GREENBRIAR LO71 PHII SE3A PL1996-2288 |
| Legal Subdivision | GREENBRIAR S/D PH II SEC II (3698) |
| Legal Phase | 2 |
| Legal Block | 20 |
| Legal Lot Number | 6050 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | GREEN RIVER |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 932000 |
Source: Henderson County records · APN 9586206050
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 SADDLE TOP, FLAT ROCK, NC 28731-6804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 16, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jul 30, 2019 | Warranty Deed, Transfer |
| Oct 20, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 16, 2020 · Amount on Record |
| Deed Sale | Dec 16, 2020 · Amount on Record |
| Prior Sale | Jul 30, 2019 · Amount on Record |
| Deed Document Number | 2020940708 |
| Deed Book / Page | 3619 / 269 |
| Last Transfer Date | Aug 01, 2025 |
| Transfer Doc | 0043220154 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Dec 16, 2020 |
| Property Address | 2 SADDLE TOP, FLAT ROCK, NC 28731-6804 |
| Document Number | 0036190269 |
| Book / Page | 003619 / 000269 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 940708 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $834.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 SADDLE TOP FLAT ROCK NC 287316804, FLAT ROCK, NC 28731-6804 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Jul 30, 2019 |
| Property Address | 2 SADDLE TOP, FLAT ROCK, NC 28731-6804 |
| Document Number | 0033660113 |
| Book / Page | 3366 / 113 |
| Instrument Date | Jul 29, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 SADDLE TOP, FLAT ROCK, NC 28731 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 2 SADDLE TOP, FLAT ROCK, NC 28731-6804 |
| Document Number | 0031240314 |
| Book / Page | 003124 / 000314 |
| Instrument Date | Oct 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 100 SADDLE TOP RD FLAT ROCK NC 28731, FLAT ROCK, NC 28731 |
| Document Number | 0031240314 |
|---|---|
| Date | Nov 02, 2017 |
| Book Page | 003124/000314 |
| Instrument | 873139 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Henderson County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Unified School District | Henderson County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $509,900 (-) Land $69,900 Building $440,000 | ||
| 2025 | $2,860.00 | $509,900 (-) Land $69,900 Building $440,000 | |
| 2023 | $509,900 Land $69,900 Building $440,000 | $509,900 Land $69,900 Building $440,000 |
Source: FEMA National Flood Hazard Layer as of October 12, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 5 (2016–2024) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
Based on FCC filings for 38 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF HENDERSONVILLE serves 79,278 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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