2007 Upward Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 2007 Upward Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft · built 2000
Lot Size	1.29 acres (56,192 sqft)
Owner	Individual Name on Record
Tax Bill	$1,728 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9598360762`

Property Details

APN / Parcel Number

Primary APN	`9598360762`
Alternative APNs	`00959836076255` `9966195`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,776 sqft Heated Area
1st Floor Area	1,676 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,192 sqft (1.29 acres)
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9966195
Street Address	2007 UPWARD RD
City	FLAT ROCK
State	NC
Zip	28731-5739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9966195~R2
Legal Description	SR1722 ON UPWARD RD PL2009-7737A
Legal Block	36
Legal Lot Number	762
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1004
Census Tract	930302

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	Individual Name on Record
Mailing Address	2007 UPWARD RD, FLAT ROCK, NC 28731-5739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 21, 2018	Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE (NY) INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 14, 2016
Transfer Doc	0016830491
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	2007 UPWARD RD, FLAT ROCK, NC 28731-5739
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038630150
Date	Feb 2, 2022
Book Page	3863/150
Instrument	972835

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	2007 UPWARD RD, FLAT ROCK, NC 28731-5739
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037360667
Date	Jun 24, 2021
Book Page	3736/667
Instrument	956542

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	ALLEN, TX 75013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	2007 UPWARD RD, FLAT ROCK, NC 28731-5739
Document Number	0004410487
Instrument Date	Nov 12, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2007 UPWARD RD FLAT ROCK NC 287315739, FLAT ROCK, NC 28731-5739

Mortgage

Document Number	0004410487
Date	Nov 25, 2020
Book Page	000441/000487
Instrument	939825

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WHOSE ADDRESS IS 451 SEVENTH S, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Nov 24, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	2007 UPWARD RD, FLAT ROCK, NC 28731-5739
Document Number	0031770698
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2007 UPWARD RD FLAT ROCK NC 287315739, FLAT ROCK, NC 28731-5739

Mortgage

Document Number	0031770698
Date	Mar 23, 2018
Book Page	003177/000698
Instrument	880819

Lender

Name	MONEY SOURCE (NY) INC
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

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		$308,100 (-) Land $42,900 Building $265,200
2025	$1,728.00	$308,100 (-) Land $42,900 Building $265,200
2023		$308,100 Land $42,900 Building $265,200	$308,100 Land $42,900 Building $265,200

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	6 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2012 · river or lake flooding

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	0.07% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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