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

Henderson County property record for 248 Wisdom Cove Rd, Flat Rock, NC 28731

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,999 sqft · built 2007
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,102 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`9597168813`

Property Details

APN / Parcel Number

Primary APN	`9597168813`
Alternative APN	`10006051`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	4,999 sqft Heated Area
1st Floor Area	2,141 sqft
Upper Floors Area	1,071 sqft
Basement Area	1,366 sqft
Finished Basement	1,366 sqft
Unfinished Basement	856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	42,253 sqft (0.97 acres)

Exterior Amenities

Porch	Patio
Porch Area	83 sqft
Deck Area	270 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10006051
Street Address	248 WISDOM COVE RD
City	FLAT ROCK
State	NC
Zip	28731-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10006051~R
Legal Description	SBDV6174 LO32 & 33 PL2006-6174
Legal Subdivision	RECOMBINATION SURVEY FOR KENNETH LABEL
Legal Block	16
Legal Lot Number	8813
Jurisdiction	HENDERSON NC
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1016
Census Tract	930201

Owner

Source: Henderson County records, as of August 17, 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	30 ROYAL DUBLIN DOWNS, PINEHURST, NC 28374-8198
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Nov 8, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	248 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037980047
Date	Oct 6, 2021
Book Page	3798/47
Instrument	964474

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Nov 8, 2019
Property Address	248 WISDOM COVE RD, FLAT ROCK, NC 28731-9714
Document Number	0034110534
Book / Page	3411 / 534
Instrument Date	Nov 6, 2019
Transaction Type	Transfer
Record Updated	Jun 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 WISDOM COVE RD, FLAT ROCK, NC 28731-9714

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		$807,500 (+10.43%) Land $60,000 Building $747,500
2025	$4,102.00	$731,200 (+1.2%) Land $60,000 Building $671,200
2023		$722,500 Land $60,000 Building $662,500	$807,500 Land $60,000 Building $747,500

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	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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