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23 Terrapin Trl, Flat Rock, NC 28731 Property Records

Henderson County property record for 23 Terrapin Trl, Flat Rock, NC 28731

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 672 sqft · built 2023
Lot Size0.65 acres (28,314 sqft)
Owner2 Individual Names on Record
Last Sale$370,000 (May 2024)
Tax Bill$1,259 (2025)
Deeds & MortgagesDec 2025 Mortgage
Dec 2022 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN9598606125

Property Details

APN / Parcel Number

Primary APN9598606125
Alternative APNs
  • 00959860612555
  • 9940940

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area672 sqft Heated Area
1st Floor Area672 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Lot Area28,314 sqft (0.65 acres)
PorchSlab
Deck Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number9940940
Street Address23 TERRAPIN TRL
CityFLAT ROCK
StateNC
Zip28731-9633
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code9940940~R2
Legal DescriptionL#5 TERRAPIN HOLLOW SD
Legal SubdivisionTERRAPIN HOLLOW (2685)
Legal Block60
Legal Lot Number6125
JurisdictionHENDERSON NC
Township / Civil DivisionBLUE RIDGE
Census Block Group1
Census Block1004
Census Tract930201

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 Record2 Individual Names on Record
Mailing Address23 TERRAPIN TRL, FLAT ROCK, NC 28731-9633
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2025Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 12, 2022Warranty Deed, Transfer
Aug 12, 2022Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 31, 2024 · Amount on Record
Deed SaleMay 31, 2024 · Amount on Record
Prior SaleDec 12, 2022 · Amount on Record
Deed Document Number20241015270
Deed Book / Page4171 / 42
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHENDERSON NC
Property Address23 TERRAPIN TRL, FLAT ROCK, NC 28731-9633
Transaction TypeMortgage
Record UpdatedJan 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address23 TERRAPIN TRL, FLAT ROCK, NC 28731-9633

Mortgage

Document Number0043810132
DateDec 29, 2025
Book Page4381/132
Instrument1001042394
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Address585 SOUTH BLVD E, PONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2056

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHENDERSON NC
Recording DateDec 12, 2022
Property Address23 TERRAPIN TRL, FLAT ROCK, NC 28731-9633
Document Number0039940702
Book / Page3994 / 702
Map ReferenceCAB A SL 296
Instrument DateDec 5, 2022
Instrument990916
Transaction TypeTransfer
Record UpdatedJul 17, 2023

Transaction

AmountAmount Recorded
Tax$50.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address103 BELLA VITA WAY, ORMOND BEACH, FL 32174-6640

Transferred To (Grantee/Buyer)

NameVerified Name
Address28 BLOOMINGDALE DR, ALEXANDER, NC 28701-9134

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHENDERSON NC
Recording DateAug 12, 2022
Property Address23 TERRAPIN TRL, FLAT ROCK, NC 28731-9633
Document Number0039490690
Book / Page3949 / 690
Map ReferenceCAB A SL 296
Instrument DateAug 12, 2022
Instrument984801
Transaction TypeTransfer
Record UpdatedJul 17, 2023

Transaction

AmountAmount Recorded
Tax$34.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address100 GALLIMORE RD, FLAT ROCK, NC 28731-8786

Transferred To (Grantee/Buyer)

NameVerified Name
Address103 BELLA VITA WAY, ORMOND BEACH, FL 32174-6640

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHenderson County
Unified School DistrictHenderson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$220,600 (+867.54%) Land $22,800 Building $197,800
2025$1,259.00
2023$22,800 Land $22,800$220,600 Land $22,800 Building $197,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskModerate
above 48% of the US · above 70% of North Carolina
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 48 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Cable		940 / 35
Starlink
Satellite		280 / 30

Cell Coverage

4G LTE only, no 5G reported

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