239 Wisdom Cove Rd, Flat Rock, NC 28731 Property Records

Henderson County property record for 239 Wisdom Cove Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,572 sqft · built 2007
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$58,000 (Aug 2006)
Tax Bill	$3,229 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9597168565`

Property Details

APN / Parcel Number

Primary APN	`9597168565`
Alternative APN	`1005121`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,572 sqft Heated Area
1st Floor Area	2,296 sqft
Attic	Attic
Attic Area	276 sqft
Basement Area	2,296 sqft
Unfinished Basement	2,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Block
Lot Area	29,185 sqft (0.67 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	222 sqft
Deck Area	229 sqft
Canopy	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1005121
Street Address	239 WISDOM COVE RD
City	FLAT ROCK
State	NC
Zip	28731-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1005121~R2
Legal Description	SOLOMONS COVE LO17 PL2006-6174
Legal Subdivision	SOLOMONS COVE
Legal Block	16
Legal Lot Number	8565
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1014
Census Tract	930201

Owner

239 Wisdom Cove Rd is owned and occupied by two individuals who bought it in August 2006.

Source: Henderson County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST COMPANY
Apr 15, 2026	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST COMPANY
Feb 1, 2017	Deed of Trust, Mortgage · Loan Modification FIRST CITIZENS BANK
May 2, 2018	Deed of Trust, Mortgage FIRST CITIZENS BANK
Mar 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2006 · Amount on File
Deed Sale	Aug 29, 2006 · Amount on File
Prior Sale	Aug 28, 2006 · Amount on File
Deed Book / Page	1287 / 432
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Apr 15, 2026
Property Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Document Number	0001047631
Book / Page	4424 / 199
Instrument Date	Apr 3, 2026
Instrument	20261047631
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714

Mortgage

Document Number	0001047631,
Date	Apr 15, 2026
Book Page	4424/199
Instrument	20261047631

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Apr 15, 2026
Property Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Document Number	0044240199
Book / Page	4424 / 199
Instrument Date	Apr 3, 2026
Instrument	20261047631
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714

Mortgage

Document Number	0001047631,
Date	Apr 15, 2026
Book Page	4424/199
Instrument	20261047631

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030120246
Date	Feb 1, 2017
Book Page	3012/246

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Type	Loan Modification
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031930557
Date	May 2, 2018
Book Page	3193/557

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	239 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031780001
Date	Mar 23, 2018
Book Page	3178/1
Instrument	880820

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Apr 1, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 239 Wisdom Cove Rd was $3,229.

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		$575,700 (-) Land $60,000 Building $515,700
2025	$3,229.00	$575,700 Land $60,000 Building $515,700
2023		$575,700 Land $60,000 Building $515,700	$575,700 Land $60,000 Building $515,700

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

Flood

FEMA maps place 239 Wisdom Cove Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 239 Wisdom Cove Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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