20 Ridgeway Dr, Flat Rock, NC 28731 Property Records

Henderson County property record for 20 Ridgeway Dr, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,373 sqft · built 1986
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jan 2026)
Tax Bill	$1,854 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9587867596`

Property Details

APN / Parcel Number

Primary APN	`9587867596`
Alternative APNs	`00958786759655` `9902690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,373 sqft Heated Area
1st Floor Area	1,456 sqft
Basement Area	1,645 sqft
Finished Basement	917 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Deck Area	48 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9902690
Street Address	20 RIDGEWAY DR
City	FLAT ROCK
State	NC
Zip	28731-9644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9902690~R2
Legal Description	DAVIS TRACT LO14 PLA-104A
Legal Subdivision	DAVIS, THOMAS P PROPERTY (1908)
Legal Tract	L
Legal Block	86
Legal Lot Number	7596
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1025
Census Tract	930201

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	20 RIDGEWAY DR, FLAT ROCK, NC 28731-9644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 9, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2026 · Amount on Record
Deed Sale	Jan 9, 2026 · Amount on Record
Prior Sale	Dec 9, 2021 · Amount on Record
Deed Document Number	20261042987
Deed Book / Page	4385 / 646
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 9, 2026
Property Address	20 RIDGEWAY DR, FLAT ROCK, NC 28731-9644
Document Number	0043850646
Book / Page	4385 / 646
Map Reference	CAB A SL 104-A
Instrument Date	Jan 5, 2026
Instrument	1001042987
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1434 REDWOOD DR, EUDORA, KS 66025-8500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIDGEWAY DR, FLAT ROCK, NC 28731-9644

Mortgage

Document Number	1001042988
Date	Jan 9, 2026
Instrument	1001042988

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Dec 9, 2021
Property Address	20 RIDGEWAY DR, FLAT ROCK, NC 28731-9644
Document Number	0038340524
Book / Page	3834 / 524
Map Reference	CAB A SL 104-A
Instrument Date	Dec 7, 2021
Instrument	969206
Transaction Type	Transfer
Record Updated	Dec 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1235 CLARK RD, INMAN, SC 29349-8421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIDGEWAY DR, FLAT ROCK, NC 28731-9644

Mortgage

Document Number	0000969207
Date	Dec 9, 2021
Instrument	969207

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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		$360,100 (+8.96%) Land $37,100 Building $323,000
2025	$1,854.00	$330,500 (-) Land $37,100 Building $293,400
2024	$1,854.00
2023		$330,500 Land $37,100 Building $293,400	$360,100 Land $37,100 Building $323,000

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
Nearby Flood Policies	1 in force

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 62% of the US · above 54% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Nearby Properties on Ridgeway Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures